How to buy car insurance for the first time.
Are you in the market for your first auto insurance policy? Whether you are moving from your parent’s policy or purchasing your first ever coverage, we understand how daunting it can be. Buying the right policy requires basic knowledge of how car insurance works and navigating the insurance world. We have simplified this challenge and created some tips for buying auto insurance for the first time in Texas.
Know what you need.
If you’re driving a car, then you’re legally required to have car insurance – specifically, liability coverage. Texas has its own requirements. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage. There are higher limits available and you should discuss them with your agent.
Learn about optional coverages.
Keep in mind that liability covers costs for other people and property if you cause an accident. Texas only requires you to have liability insurance, but there are other types of coverage available to help protect your finances. Talk to your agent about whether you could benefit from collision, comprehensive, uninsured/underinsured drivers, rental reimbursement, and towing coverage.
Understand your policy.
Before you sign on a dotted line, make sure you understand what is (and isn’t!) included in your car insurance policy. Your agent will be able to help answer any questions or concerns you may have regarding your coverage. You don’t want to wait until you need coverage to realize you don’t have it.
When you need help finding car insurance for the first time, the Lone Start locals at Reata Insurance Group can help. From San Antonio to Beaumont, Amarillo to Houston, we serve Texas motorists with the quality car insurance they need and deserve.