Car Insurance

All of the Insurance agencies we represent provide a broad spectrum of auto Insurance policies at a fair price. The price of your policy gets even more reasonable if you qualify for our available discounts. We help you have a clear idea of what these terms mean and what amount of coverage is suitable for you.

When applying for auto Insurance in Texas, you are often asked whether you want to opt for collision or comprehensive coverage. You'll be asked to what extent you want your deductible and the liability limits you wish to have. Additionally, you may be questioned whether you want any sort of optional coverage in your auto insurance.

Auto Insurance Coverage Options We As A New Car Insurance Company Provide:

Collision And Comprehensive (Other Than Collision) Coverages

Collision and Comprehensive (other than collision) coverages pay for your vehicle damage. You can get either or both of these coverages for all the vehicles you own. If you hold an auto loan, you should purchase both. This is what we suggest.

• Collision coverage insures you from the vehicle damage caused by accident.
• Comprehensive (other than collision) coverage insures you from all sorts of physical damage to your car during events like fire, theft, flood, and vandalism.

If your auto is damaged, the Insurance company settles only for the damage over the deductible you choose. Remember, the higher the deductible, the lower the premium will be.

Liability coverage

In liability coverage, the new car insurance company will pay for injuries and damage you (insured) cause to other people in the context of damage to other people's property when you are at fault in an accident.

Medical Payments coverage

Medical Payments coverage pays for medical bills (up to a certain limit) for you as well as the passengers of your car who got injured during the accident, no matter who is blameworthy. Note: If you and those who often travel with you have health insurance, you may avoid this coverage as you do not need this.

Personal Injury Protection

A few U.S. states mandate personal injury protection, also known as No-Fault coverage. This coverage option of Auto insurance in Texas pays for medical & rehabilitative bills, replacement assistance, and funeral expenses. Moreover, it also pays for loss of income if you get disabled in an accident and cannot work.

Uninsured/ Underinsured Motorist Coverage

This insurance coverage pays in a case where you are injured by an uninsured person or don't have enough liability insurance to cover the injuries. It also protects you if you are in a mishap with a hit-and-run driver.

Optional coverage

Optional or special coverage comprises extras like towing, rental reimbursement, and roadside assistance. None of these coverages are mandated.

What Amount Of Auto Insurance In Texas Is Right For You?

Settling for the right level of auto Insurance coverage is paramount. Your coverage level depends on various factors. The factors may include:

• Assets you wish to protect (liability coverage)
• The vehicle's value (collision and comprehensive)
• The money you can afford to pay out-of-pocket (deductibles)
• Your risk tolerance

The team of experienced auto insurance agents at Prestizia can assist you in uncovering the right car insurance you need after knowing your individual needs.

Auto Insurance Form