Texas Auto Insurance - Sugar Land, TX Area
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 insurance features.
We are a Sugar Land, TX insurance agency offering less expensive 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 30/60 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:
30/60/25 30=$30,000 - 60=$60,000 - 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:
30/60/25 30=$30,000 - 60=$60,000 - 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

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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.
If you have an older car, you can lower your Texas auto insurance premium by
reducing or dropping your collision or comprehensive coverages. Cars being sold
today are much more costly to repair, just ask your auto mechanic the next time
you see him. If you damage your older car in a car accident, it's likely that your
repair costs will be lower than those for a newer car with similar damage. The
amount of Texas auto insurance premium that goes toward that coverage option
is only slightly reduced for older cars than for newer ones. You can usually save
some premium by taking on a small amount of risk.
Lower Auto Insurance Premium - Increase Your Deductibles
Auto insurance premiums are based on the amount of coverage you have, and
the deductible you must pay before an insurance claim is paid. Auto insurance
deductibles usually range between $100 and $1,000. A lower deductible raises
the premium amount, and a higher deductible will lower your monthly Texas
auto insurance premium.

You should consider setting your deductible at an amount that you are
comfortable with. Determine the amount that you could afford to spend on your
car in any given month if you had an accident. The amount that won't prevent
you from paying all your bills is a good amount for an auto insurance deductible.

Remember though, if you have an car accident, the deductible you've chosen
must be paid before the insurance company will pay for your repairs, and there
can be hidden costs in a car accident. For example, your Texas auto
insurance policy may not pay the cost of a rental car while your car is being
repaired.
Low-Mileage Discounts
The more miles you drive, the greater the chances of being involved in an
accident. Most auto insurance companies offer discounts to drivers who
keep the number of miles they drive each year under 10,000 to 12,000 miles.
Moving Violations
Most automobile insurance companies provide discounts to drivers who have
not had a moving violation in the past 3 years. Insurance companies consider
speeding tickets and accidents the most serious moving violations which have
an impact on your Texas auto insurance premiums.

Review your driving record prior to shopping for Texas auto insurance. You
may want to consider holding off on buying new auto insurance if you have a
moving violation which can be removed from your records within a short period
of time.
Reduce Auto Insurance Premium - Fewer Accidents
Auto insurance companies want to insure the best drivers. Safer drivers have
fewer accidents, fewer speeding tickets, and make fewer claims. Every time
you are involved in an auto accident or a moving violation, the state where you
are licensed assesses points to your driving record. Auto insurance
companies limit their risk exposure by charging higher premiums to drivers
who have more points on their driving records. Convictions of driving under
the influence of drugs or alcohol is often viewed as much more serious than a
speeding ticket or a car accident by insurance carriers.

If you think that you apply for good driver rates, be sure to ask companies
when you are shopping for auto insurance what their "good driver" discounts
are. Compare that price to the good driver rates of other companies, to help
determine what the best Texas auto insurance policy is for you and your
family.
Reduce Auto Insurance Premium - Anti-Lock Brakes
Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking
mechanisms will lock if the driver slams the brake pedal, which can cause
hydroplaning in wet conditions or skidding on dry surfaces. The proper way to
avoid this is to pump the brakes. People are limited in the speed with which
they can pump a brake pedal, so anti-lock brakes do the pumping for you and
improve safety.

Auto insurance companies want to reduce the chance that their policy holders
will have a car accident. The auto insurance discounts offered are another
incentive to buy cars equipped with anti-locking brakes.
Multiple Insurance Policy Discount
Many auto insurance companies will offer lower premiums if you have multiple
insurance policies with the same company, or multiple vehicles insured under
the same policy. This works differently depending on which specific insurance
company you are dealing with.

Insurance companies will offer discounts if you purchase a homeowners
insurance policy or an umbrella insurance policy to go along with your Texas
auto insurance policy.
Click on the link below to fill out a secure quote request form for a more affordable
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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Honesty Is The Best Policy
This holds true for providing accurate information to your Texas auto insurance carrier.
Don't think that little white lie won't come back to harm you with a denied claim, a
canceled policy or legal troubles.
Most Texas auto insurance policies allow for cancellation or non-renewal if you
intentionally fail to disclose information necessary to correctly underwrite and rate an
auto insurance application. You can find that information typically in the policy info
mailed to you that you probably don't read completely.
A few most often falsehoods given by people to reduce their auto insurance rates,
enhance their medical claim, or are told to insurance agents after an accident.
I only drive a couple of miles to and from work.
Your claim can be denied if the insurance company determines that you drive a
significantly longer commute for work each weekday than what they were told. This
could make you responsible for all damages in an auto accident.
I'm the only one that drives my car regularly.
If a person not listed on your Texas auto insurance policy drives your car on a regular
basis and gets into an accident, your rates can go up. Depending on the circumstances of
that accident, this falsehood can make it appropriate for the insurance carrier to not pay
your auto insurance claim. Also, auto insurance coverage rates are based on where you
live and park the car or truck being insured. Inaccurate information given to the insurance
carrier to get cheaper rates can get your Texas auto insurance policy cancelled.
I put on my turn signal before I changed lanes.
I wasn't speeding. / I stopped completely at the stop sign.
Witnesses to your car accident who give a different story of the events than you can
lead your insurance carrier to partially or completely charge you with fault for the
accident. Honesty is the best policy!
I need massage therapy for injuries related to my accident.
If a massage therapist isn't clearly related to your auto insurance claim, your medical
expense can be denied and can prompt a fraud investigation. Insurance carriers have
medical experts that do nothing else but varify or not varify such medical claims.

Other falsehoods such as attempting to pass off old damage as new damage or failing
to mention the use of your car for business purposes, can lead an insurance company
to rejecting your claim and cancelling your Texas auto insurance policy.