Auto Insurance in Texas

Driving without the minimum required insurance in Texas and other states can get you into serious trouble. Whether you're insuring a new or used vehicle, it’s essential to think about how much insurance you should buy critically. Insurance advisors at Slaughter Insurance Agency recommend enquiring about the options available to learn how they work and the amount you need.

Auto insurance basics

While online resources make it easy to compare rates and policies, auto insurance is still complicated, especially if you are not familiar with the terms and jargon insurance companies use. That’s why you will find so many myths circulating like “red cars are expensive to insure.” As an auto insurance policyholder in Texas, it’s your responsibility to learn your policy and understand how claims are made. You also need to know your coverages and limits.

How prices are determined

Every insurance company in Texas has its own unique way of calculating premiums. Some factors like owning an expensive vehicle or having a poor driving record are apparent signs of higher rates. Your insurance agent will ask many questions about yourself, your car, and your lifestyle. You need to give truthful information to avoid attracting penalties. Some of the factors that affect pricing include:

  • Your age, gender, and marital status
  • Your driving records
  • The model and year of the vehicle
  • Where you live
  • Where you store the car
  • How you use the car

Auto insurance coverages

Most states require you to have auto liability coverage, but that doesn’t mean it’s enough. It would be best if you thought about your needs, style, and comfort. If you have teenagers driving your car, collision and comprehensive coverages can be essential. You also need medical payment coverage to pay your medical bills if you are injured in an accident. Remember, liability does not cover the driver but other motorists.

Looking to buy auto insurance in Quinlan, TX? Make the right choice by visiting the slaughter Insurance Agency and talk to professionals who understand your needs. Feel free to call us anytime.