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Texas Auto Insurance- How Much Coverage You Need?

The State of Texas has defined the minimum auto insurance requirements. But do you need more coverage? The basic purpose of auto insurance is beyond just fulfilling the state’s requirements. You need at least the mandatory insurance to financially protect yourself and others on the road in the event of an accident.

However, more adequate insurance comes at a higher price. Your total premiums costs are directly related to your type of coverage. That is why many people end up paying a lot for their insurance plans. But you can save your money by shopping for car insurance wisely.

One of the most important things that can help you lower your premium costs is to determine how much coverage you truly need. Now, the state of Texas has defined minimums as – $25,000 for bodily injury to one person per accident, $50,000 for bodily injury of all in one accident and $25,000 for property damage in an accident.

So, these amounts are mandatory and you have to decide whether you need more coverage and if yes, then how much more. Basically you have to figure out the likelihood of you being in an accident. That is why your decision of how much coverage you need will depend on your own degree of comfort in supposing a certain level of risk.

General Insurance Coverage Recommendations

Insurance experts have often hinted that you must decide on what you have and what you need to protect. For instance, if you have a good amount of assets, then get adequate liability coverage to protect them. The experts general recommendations for liability limits are 50/100/25- this means $50,000 bodily injury liability for one person, $100,000 for all injuries and $25,000 for property damage.

Another guiding factor to how much coverage you need is the way you drive – as in your driving habits. Are you a habitual traffic law breaker, or do you have to drive regularly in accident prone zones? If yes, then you need to protect yourself against collisions. Collision coverage covers your vehicle and pays for damage your car sustains in an accident or in a collision with an inanimate object like a fence or a tree. Take into consideration the value of your car though – if it’s not worth one year’s premium increases for the cost of collision – it may not be worth it.

If you live in a dangerous area where auto theft is quite rampant, opt for comprehensive coverage. This covers you in the case of thefts, or natural damage like fires and floods.

If you are a good driver with a clean record, or have an older car or live in a secure neighborhood, then you might not buy collision and comprehensive coverage at all. You would be smart in choosing just liability coverage if you are a good driver and your car is an older model.

So – consider your options, vehicle make and model etc. before requesting a quote from a Texas Auto Insurance company. Think of your requirements and your budget to know clearly where you stand – this will help you make the best decision for you.

The writer is an insurance coverage expert associated with In Texas Auto Insurance, the leading comparison portal of auto insurance in Texas.