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Frisco, TX 75034

Required Auto Insurance in Texas

When you are a driver in Texas, your vehicle is required to have an auto insurance policy on it. This protects others on the road as well as yourself by taking care of the bills that are due after an accident has happened with your vehicle. There are different amounts of coverage for different types of protection required in the policy. It’s also a good idea to have a few types of coverage that aren’t required on top of the types of coverage that are. This will keep you well-protected against accidents.

To get your auto insurance, call us at Quote Savant in Frisco, TX and get started. 

Required Coverage Types

When you get your auto policy, there are three amounts required in the policy. The first is a required minimum amount for bodily injury liability that is for a single person who becomes injured in an accident that is decided to be your fault. Next, there is a higher minimum amount required for all of the parties who were injured in the accident. Both of these pay for certain expenses such as lost wages and medical bills for injured third parties. Then, there is a minimum amount required for property damage liability. This pays for the other person’s property damage after an accident that is your fault. 

Other Coverage Types

In addition to the required coverage types, it’s a smart idea to get a couple of other types of coverage. Comprehensive coverage pays for risks to your vehicle when it isn’t being driven. Collision coverage pays for the damage to your own vehicle after you cause an accident that damages it. 

Get Your Auto Policy

When you need auto insurance, we can help. To learn more and get started, give us a call today at Quote Savant in Frisco, TX.

Why do car owners in Frisco need auto insurance?

The Frisco, TX area can be a great place to live and work. When you are in this part of Texas, owning a car will make it much easier for you to get around. As you are looking for your next car, you also need to assess your auto insurance needs. There are various reasons why someone in this region will need to have a proper auto insurance plan. 

Why do car owners in Frisco need auto insurance?

Meet State Requirements

A common reason to have an auto insurance plan is that it is needed to meet state requirements. If you are going to drive any type of vehicle in Texas, you need to have liability coverage. Without this support, you will need to cover any damages that you cause in an accident. Further, you could be penalized if you are caught driving without this coverage. 

Protect Your Car

Vehicles today can be quite expensive and ensuring your valuable assets are covered and protected should be considered a top priority. A great way that you can protect your vehicle is by getting a full insurance plan with collision and comprehensive coverage. With this full coverage, you will have the support you need if you have to replace or repair your vehicle. This type of coverage is also a requirement for anyone that has taken out a loan against their car. 

Anyone that is in the Frisco, TX area is going to need to have the right insurance at all times. For vehicle owners, this will mean having a proper auto insurance plan. For those that are looking for this coverage, calling Quote Savant is a great option. The professionals with Quote Savant can give any support that is needed to build a plan that will ensure your vehicle is covered and that you are in full insurance compliance. 

Texas Required Auto Insurance

Shopping for auto insurance should be easy, so Quote Savant makes it simple for Frisco, TX residents to purchase a custom policy built on the minimum auto insurance required by the state of Texas.

You can get away with only purchasing the state-required insurance, but we would not recommend it. The state requirements only ensure that your insurance covers damage you do to another individual or their vehicle. To meet the state requirements, you need to purchase:

  • bodily injury liability coverage in the amount of $30,000 per person per accident,
  • bodily injury liability coverage in the amount of $60,000 per accident total,
  • property damage liability coverage in the amount of $25,000 per accident.

Once you have the minimums, if you cause an accident, the other driver’s damage and medical costs get paid for, but you still need insurance for damage to your own vehicle or medical care. You purchase collision and comprehensive insurance to cover your vehicle damage. You’ll need personal injury protection (PIP) to cover your medical care.

You can add other options to your insurance, too. For example, you can add rental car insurance to your policy. That will pay for your rental car while your vehicle gets repaired or until your insurance provides the car replacement check.

You can also add roadside assistance coverage. This policy add-on pays for a tow truck or roadside mechanical help. If you run out of gas, the roadside assistance brings you a gallon to get you to a petrol station or tows you there if it would require more than a gallon.

Creating a custom auto policy just takes a phone call or an email. Contact us today at Quote Savant serving Frisco, TX and the surrounding area.

Auto Insurance Myths To Avoid While Researching Coverage

Quote Savant serves the Frisco, TX community. We offer our clients multiple types of insurance policies so that they can protect their assets. We offer flexible policies designated to meet unique needs. We look forward to establishing long-term relationships so that we can help our clients as their needs evolve over time.

Auto Insurance Myths To Avoid

Driving is a high-risk endeavor. There are multiple variables to account for. Auto insurance protects you while you are on the road. Collision coverage protects you if your vehicle suffers damage or if someone is injured. Liability coverage protects you if you are ruled to be responsible for the accident. Comprehensive coverage takes care of your vehicle if it is stolen or vandalized. While you are researching coverage, avoid these common auto insurance myths.

The Color Of Your Vehicle Is Important

This is incorrect. The color of your vehicle does not impact your auto insurance policy. The only variable that may impact your coverage is the model of your vehicle and its age.

Getting A Traffic Ticket Is Detrimental

While you should strive to keep a clean driving record while you travel around Frisco TX and beyond, your policy will not be drastically altered if you receive a minor traffic ticket.

You Aren’t Responsible If Someone Else Drives Your Vehicle

Many people make the mistake of assuming that they are no longer liable once they let someone else drive their vehicle. If you let a friend drive your vehicle, and they damage someone else’s property, you are still responsible.

Quote Savant Will Help You Stay Protected On The Road

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