Auto Insurance
Auto Insurance & Car Insurance
Personal auto insurance (or car insurance) is required for drivers in most states. Auto insurance requirements typically vary by state as far as minimum coverage limits.
However, just because an auto insurance policy meets minimum coverage requirements, that doesn't mean it will offer sufficient or meaningful coverage for your needs in the event of an accident. It's important to review your policy limits and deductibles to make sure that an auto insurance policy is the right fit for your needs.
Understanding Your Auto Insurance Policy
While auto insurance policies vary as far as coverage, some options for auto insurance policies include the following: auto liability coverage, loan or lease gap insurance, roadside insurance, comprehensive insurance, and collision coverage. Learn more about these types of auto insurance coverage below.
Keep in mind that commercial activities are not covered under a personal auto insurance policy. If you use your personal vehicle for commercial purposes, you may wish to consider a separate commercial auto policy to make sure that you are protected in the event of commercial-related claims. For rideshare and delivery drivers, learn more about Transportation Insurance.
What Is Minimum Auto Liability Coverage?
Auto liability coverage helps to cover damage to another vehicle and bodily injury to other people for an accident caused by you. Auto liability insurance is required in most states.
In a car insurance policy, auto liability coverage limits are often specified by three numbers which signify limits of liability for (1) bodily injury liability coverage per person (2) bodily injury liability per accident and (3) property damage liability per accident.
Some states will add an additional coverage requirement for uninsured/underinsured motorist coverage per person, as well as an uninsured/underinsured motorist coverage per accident. This type of coverage helps to cover costs when you are the victim of an accident caused by someone who does not have sufficient insurance to cover claims resulting from the accident that they caused.
Several states may have a further requirement for personal injury protection or medical benefits.
Comprehensive Coverage & Collision Coverage
You may wish to choose a car insurance policy that offers collision coverage, comprehensive coverage, or both, in addition to auto liability insurance.
Comprehensive insurance can help to cover non-collision damages to a vehicle, such as fire, theft, or damage caused by animals. Comprehensive insurance does not include medical expense coverage.
Collision insurance can help to cover damages to your vehicle as a result of a collision accident (both vehicle and non-vehicle collisions) whether the collision was caused by you or by someone else.
Gap Insurance for Loan & Lease Vehicles
Gap insurance for loan and lease vehicles offers coverage in the event that your vehicle is damaged or totaled in an accident, but you still owe a lender on the vehicle.
Roadside Assistance
Roadside insurance can help to cover emergency roadside expenses if you are stranded due to a vehicle mechanical failure, flat tire, or accident. Roadside assistance insurance can be purchased as an add-on policy feature or as a separate policy.
How Can Guardify Help with Auto Insurance?
Many people are simply looking for auto insurance that will meet minimum state vehicle registration requirements, or are looking for cheap full coverage auto insurance with no down payment.
In finding the right car insurance, it may be helpful to compare policies and prices from different carriers to make sure you get the best value policy for your premium payment. Guardify has access to many market carriers and can help you search and compare policies so you get the best auto insurance policy for the best rate.
Home and Auto Insurance Policy Options
A Guardify agent can also help you package different types of insurance from different carriers. For example, if you are looking for Texas home and auto insurance quotes, you may find that one carrier offers the home insurance that you need, while a different carrier offers the car insurance that you need.
Guardify can help you get both policies at market rates, and help you manage policy renewals and updates through one convenient point of contact.
Looking for Commercial Auto Insurance? Explore Logistics and Cargo insurance options.
Finding the Best Auto Rates in Texas
Average car insurance cost in Texas can vary depending on the type of vehicle you have, the age and value of the vehicle, as well as the driver’s personal history and driving record.
If you are looking for the best car insurance companies in Texas, be sure to recognize that company ratings may reflect a company’s standing, but they don’t consider whether a given policy is the right fit for you. A Guardify agent can help you make a personal auto insurance policy decision based on your personal auto insurance needs, and relative to your bigger picture financial goals.
Guardify offers personal auto insurance throughout Texas in both rural and metro areas, and can provide car insurance quotes across Texas including the following Texas locations:
- Houston
- Dallas
- San Antonio
- Austin
- Amarillo
- Longview
- Abilene
- Killeen
- Tyler
- Waco
- Arlington
- Bryan
- Odessa
- McAllen
- El Paso
Auto InsuranceFrequently Asked Questions
Looking for recreational vehicle insurance? Visit Recreational insurance.