Auto Insurance in Texas

As a responsible driver, you probably know how important car insurance is. It protects not only your vehicle but also you as a driver, your passengers, and other people on the road. Texas is one of the states that requires all drivers to have proper car insurance. There are also some other specifics that you should know about getting and using auto insurance in the Lone Star State. JD Insurance Group serving Beaumont, TX has prepared the list of some of them:

  • All drivers in the Lone Star State are required to have basic liability coverage. It will cover the other vehicle, all personal belongings inside the car, its drivers, and passengers if you are at fault for an accident.
  • It is recommended to add comprehensive and collision coverage to be fully protected. The purpose of this additional type of insurance is to protect your property in case of a car accident, vandalism, fire, theft, or damaged windshield. All the replacement and repair costs, as well as rental costs resulting from the accident, will be covered for the cost of the deductible.
  • A deductible (the amount you have to pay out of pocket before you start receiving coverage from your insurance company) has an impact on the cost of your insurance. The higher deductible is, the lower premium you need to pay. And the opposite - your insurance will be more expensive if you choose a lower deductible.
  • If you decide to use your vehicle for commercial purposes, you should understand that it will not be covered by your standard insurance - you need to get special coverage known as commercial auto insurance.

Car insurance is one of the most important investments if you are a driver and have a car. It is financial protection on the road that all drivers in Texas are required to have. If you are shopping for car insurance in the Lone Star State and you are looking for a trustworthy insurance company, JD Insurance Group serving Beaumont, TX will be glad to assist you. Do not hesitate to give us a call and talk to one of our experienced agents.