If you live in Texas, you are required to carry auto insurance. Keep reading to learn more about this important type of insurance, from a basic definition to some tips to save on your premiums.
How Does Auto Insurance Work In Texas?
Simply put, auto insurance offers financial protection in case of an accident or theft. Your typical auto insurance policy provides three types of protection up to the limits stated in your policy:
- Property: In case your car is damaged or stolen.
- Liability: If you are legally responsible for bodily injury or property damage caused to others.
- Medical: Helps cover the cost of medical treatment and, in some cases, lost wages.
Texas law requires drivers to carry 30/60/25 coverage. This means that you should have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage.
An auto insurance policy is designed to offer protection against incidents related to the personal use of your car. If you want coverage for the vehicles you use for business purposes, then you’ll need Commercial Auto Insurance.
How to Save on Auto Insurance
As with any other type of insurance, there are some things you can do to lower your auto insurance rates. Here are three simple but effective strategies to save on auto insurance:
- Choose a higher deductible. Changing your deductible from $500 to $1000 can help you save as much as 20% on your insurance premium. However, remember that a higher deductible also means higher out-of-pocket expenses when you file a claim.
- Take a qualifying safe driving course. Insurance companies reward you when you lower your risk profile, and one of the easiest ways to do it when it comes to auto insurance is by enrolling in a qualifying safe driving course (in some cases, you can even take the course online!)
- Install anti-theft devices. Again, lowering your risk pays off. Some anti-theft devices such as alarms, and GPS trackers may help you get better car insurance premiums. Talk with an insurance professional to discover which devices help you qualify for a discount.
Looking for Auto Insurance in Houston, Texas? BZ Bee Is Here to Help!
When it comes to reliable auto insurance in Houston, Texas, or anywhere else in the Lone Star State, BZ Bee Insurance Services is the way to go.
We work with a wide selection of carriers to ensure that you always get the most comprehensive protection at the lowest rates.
To get a free quote for your personalized auto insurance policy, just contact us by email (ayalamariaeugenia@yahoo.com) or telephone (832-729-8114), or fill out the contact form on this website.
