Auto Insurance

When it comes to Auto Insurance, there are a wide variety of coverage options and policies available to meet the many needs of Texas drivers. Gene Garner Insurance works with only the best insurance providers to ensure that each and every client is provided with a quality auto insurance policy at a competitive price. 

Every motorist in Texas is required to be able to pay for any damages or injuries they cause in a car accident, whether you are in Cyprus, Spring, or The Woodlands. This can be achieved through liability insurance, or alternative means such as a cash or securities deposit with the county judge or state comptroller. These alternative options are far less common and most Texas drivers choose to fulfill their requirements through auto insurance.

Texas Insurance law sets minimum requirements for each and every insurance policy, but the minimum requirements often do not provide adequate coverage for you and your vehicle. Let’s take a look at what is required by Texas law, as well as optional coverages that are available to better offer more substantial levels of coverage.  

Minimum Texas Liability Insurance Requirements
$30,000 per injured person.
$60,000 for all injuries per accident.
$25,000 for property damage.  

There are many optional coverages available to help you protect the investment you have made in your vehicle. These coverages can include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, loan/lease gap coverage, rental car coverage, roadside assistance/towing coverage, and more. Collision and comprehensive coverage are the two most common policy additions. 
 
In the event you were to hit an object in the road or overturn your vehicle, collision coverage will cover any damages caused up to your policy limit. It is common for your bank or lender to require that you have some level of collision coverage if you have financed or leased a vehicle. One thing to keep in mind is that as vehicles age and lose value, collision coverage loses its value as well. It may make sense to discontinue collision coverage on older vehicles that have depreciated significantly.

Comprehensive coverage is available to protect your vehicle when it is damaged by something other than a collision. These other types of damages would include vandalism, fire, theft, natural disaster, and similar non-collision related damage.   
 
Gene Garner Insurance is committed to helping you choose an affordable policy that meets all of your coverage needs. Whether you are a first time driver, or are just looking for a better rate on your existing policy, we are here to help. Contact us today for a free quote or you may use our Auto Insurance Tool to get started as well!