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Auto Insurance Information
Austin, TX Auto Insurance
Austin is not only Texas’ state capital, but also a crossroads for travelers due to its location near the center of the Lone Star State. The city, along with most urban areas in Texas, is also experiencing steady population growth due to its growing economy and numerous cultural perks.
All of these factors have led to a growth in traffic, and as a result, driving in the area requires care, and safety-conscious drivers must do all they can to protect themselves. Still, since you cannot prevent every accident, you can be prepared for anything by having a quality auto insurance plan in place.
Texas drivers have to carry auto insurance, and the way for you to make the most of it is to make sure your plan is optimized to your advantage. At Ed Weeren Insurance, we’re committed to helping every customer build the quality auto plan that will offer them essential coverage when they need it.
Call us at 512-454-5266 or request your free quote online, and your auto insurance solutions will be just a step away.
Common Auto Insurance Questions
What does auto insurance cover?
Car insurance protects drivers and vehicles from the costly ramifications of car wrecks and other vehicle hazards. You never know when you might have a wreck, experience a vehicle fire, or if a tree will fall on your car in a storm. You might not know if someone is going to sue you because you were at fault for an accident that caused them harm. But all of these matters could be very expensive, just the same.
As long as you have car insurance, you’ll be ready for any issue that might arise. Your plan is designed to pay for many of the costs associated with unexpected driving hazards. With coverage to back you up, you won’t experience a massive financial loss just because of a problem behind the wheel.
Why do I need auto insurance?
Texas roadways can be dangerous, and no matter how safe you think you are you cannot protect your car from everything. If you have car insurance, then you won’t have to wonder about where you’ll be able to find the money to pay for the costs of an accident or other harmful event.
Plus, car insurance is required in Texas due to the state’s status as an at-fault insurance state. Under Texas law, drivers who cause vehicle wrecks are required to pay both for their own damage and the damage that they cause to other people or their property. Texas’ required liability insurance will guarantee that they can do so.
How much auto insurance do I need?
All Texas drivers must have at least the following liability insurance, which is the coverage that will pay for third-party bodily injuries or property damage following an at-fault wreck by the policyholder:
$30,000 bodily injury liability coverage per person
$60,000 bodily injury liability coverage per accident
$25,000 property damage liability coverage
You can and should buy higher limits to your liability coverage, and don’t forget to enhance your policy with additional benefits like:
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Other specialty benefits that you might need include:
Please Note: Some vehicle financers require buyers to carry collision, comprehensive, un/underinsured motorist coverage and gap insurance. Check with your lender to learn more about their requirements.
How much does auto insurance cost?
Our job is to help every Texas driver get the auto insurance that is best for them. We know that you are cost conscious, which is why we will exhaustively search our carrier network to find you the policy that both fits your budget and does not skimp on the coverage it provides. We’ll also apply all qualifying discounts to your plan so that you will always receive optimized value for your chosen benefits.