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What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Personal Injury Protection pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- It's the law! As of April 1, 2008 Texas requires you to carry liability insurance of at least 25,000/50,000/25000.
- If you're financing a car, your lender may also have requirements.
Questions to ask your agent
Guest Insurance Agency is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- When do you need coverage to begin. We can help you get coverage today!
- What discounts are available? (Ask about multi-car, automatic bank draft discount, paid in full, multiple policy)
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