Texas Auto Insurance Information
The value of good auto insurance often doesn't become
apparent until you really need it. Whether it's a minor
fender bender or a more substantial accident, it pays to
have Texas auto insurance coverage you can count on.
Let one of our experienced Texas auto insurance policy
specialists explain the different Liability limits, Collision,
Personal Injury Protection, Uninsured Motorist, Medical
coverages, and deductibles that are available for you to
choose from. We offer affordable truck and car
insurance policies from leading insurance carriers
serving Texas.
Learn more about Texas Auto Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for a Texas
Auto Insurance policy that will provide excellent car insurance coverage
at an affordable cost. Or you can speak with our Texas Auto Insurance
specialist toll free at (800) 747-6140 to discuss the features.
We are a Sugar Land, TX insurance agency offering cheap Texas auto insurance
policy premiums in the following towns, cities and counties in southeast Texas:
Meadows, Town West, Four Corners, Crabb, Booth, Thompsons, Fresno, Manvel,
Pleak, Kendleton, Eagle Lake, Sandy Point, Beasley, Rosenberg, Richmond,
Orchard, Fulshear, Juliff, Arcola, Needville, Frydek, Rosharon, Bonney, East
Bernard, Lissie, Elm Grove, Spanish Camp, Wharton, Guy, Bellville, Wallis,
Pasadena, Deer Park, Houston, Pearland, Galena Park, Jacinto City, La Porte,
Bellaire, West University Place, Cloverleaf, Beaumont Place, Spring Valley, South
Houston, Iowa Colony, Hilshire Village, Humble, Houmont Park, Friendswood,
League City, Alvin, Mission Bend, Stafford, Missouri City, Texas City, Webster,
Dickinson, Baytown, Channelview, Highlands, Seabrook, Bacliff, La Marque, Jersey
Village, Lake Jackson, Surfside Beach, Algoa, Santa Fe, Barker, Katy, Sealy,
Dayton, Angleton, Freeport, Bammel, Kohrville, Bay City, Brenham, Addicks,
Brookshire, San Felipe, Hockley, Waller, Prairie View, New Caney, Beach City,
Nassau Bay, North Houston, Hempstead, Tomball, The Woodlands, Burr, Iago,
Boling, Peters, Cat Spring, Burleigh, Waller County, Wharton County, Brazoria
County, Harris County, and Fort Bend County, TX. We can also offer affordable
Texas auto insurance policy premiums throughout the Lone Star state, including in
Beaumont, Austin, Waco, Fort Worth, Dallas, and San Antonio, TX.
Covers damage caused to the insured auto from a collision caused by a driver of
your auto. The deductible is the amount you choose to pay upfront (if any) before
your Texas auto insurance policy pays. The higher the deductible chosen the lower
the collision coverage cost within the Texas auto insurance policy.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage limit.
This is not a required auto insurance coverage in Texas.
Click on the link below to fill out a secure quote request form for a cheap Texas
Auto Insurance policy premium that will provide excellent auto insurance coverage
at an affordable cost. Or you can speak with our Texas Auto Insurance agent
specialist toll free at (800) 747-6140 to discuss the features.
Covers damage caused to the insured's auto (your automobile) from risks such
as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before
your Texas auto insurance policy pays. The higher the deductible chosen the
lower the comprehensive coverage cost within the Texas auto insurance policy.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a
Texas auto insurance policy. The minimum liability insurance coverage available
for purchase in Texas is 25/50 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the Texas auto liability insurance minimums listed below. Contact us
toll free at (800) 747-6140 to discuss what liability coverage amounts you require to
meet your family and personal needs.
Texas Liability Coverage limits explanation:
25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Texas Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum coverage amount in Texas is $25,000.
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto liability insurance. This coverage is not required in a
Texas Auto Insurance policy. Contact us to discuss what uninsured coverage
amounts you require to meet your family and personal needs.
Example of uninsured motorist limits:
25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.

This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required Texas
auto insurance policy coverage.
Texas Auto Insurance FAQ
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Texas Auto Insurance FAQ
Texas Auto Insurance FAQ
Texas Auto Insurance FAQ
Texas Auto Insurance FAQ
Texas Auto Insurance FAQ
Texas Auto Insurance FAQ
Having a teenager included on your Texas auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A
disproportionate number of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send
your teenager's auto insurance rates sky high. Require that they take a drivers
education class at their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's
auto insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will
decrease as they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers
choose these services for the added security and convenience they provide.
Texas Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because
of a covered event.
Texas Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This
policy is often combined with auto towing coverage and called Roadside Emergency
Towing Insurance. Changing a flat tire on the roadside may also be covered, but you
will need to pay for repairs received at the garage or other repair location.
Texas Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window
on your car is required.
Texas Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by
the insurance agent? Learn about the different important sections in every auto
insurance policy below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your
policy, it will have been prepared especially for you. It will list the specific auto
insurance coverages and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage
you've purchased is described in detail and also outlines exactly who is covered
under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining
a police report, and filing a claim. Information on auto insurance policy
cancellation will be outlined here, too.
Click on the link below to fill out a secure quote request form for a cheaper Texas
Auto Insurance policy premium quote that will provide excellent auto insurance
coverage at an affordable cost. Or you can speak with our Texas Auto Insurance
agent specialist toll free at (800) 747-6140 to discuss the policy features.
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Texans Insurance
& Financial Group
101 Southwestern Blvd.
Suite 230
Sugar Land, Texas 77478
Fort Bend County, TX
Office: (281) 277-7800
Toll Free: (800) 747-6140
Fax: (281) 277-7801
Answer a few questions and
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personal or business insurance
coverage from the menu above.
Texas Auto Insurance Policy Information
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Medical Payments Coverage pays doctor, hospital and surgical bills, up to the
per person limit you select. Claims against this coverage include all reasonable
hospital, surgical, chiropractor, X-ray, dental, professional nursing, and
prosthetic expenses. It will also cover you or members of your family if you are
hit by a car when you are walking or if you are riding in another car or truck. This
coverage will pay for your medical expenses even if you cause the accident.
This coverage protects you, your family and anyone riding in your car and
anyone driving your car with your permission.
PIP pays for medical bills, lost income, household services replacement costs and
funeral bills resulting from an automobile accident up to the per person limit you
select. Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It
will also cover you or members of your family if you are hit by a car when you are
walking or if you are riding in another car or truck. This coverage will pay for your
medical and funeral expenses even if you cause the accident. This coverage
protects you, your family and anyone riding in your car and anyone driving your car
with your permission.