Big roads. Smart coverage.
From Houston traffic to Hill Country road trips, driving is a big part of Texas life. Here's how auto insurance works, what coverage you need and what to consider before hitting the road.
Everything's bigger. Including the commute.
Texas has highways for days, unpredictable weather and plenty of places worth driving to. But before you hit the road, let's talk about protecting yourself, your passengers and your vehicle.
Auto insurance doesn't need to be confusing. Here's what Texas requires, what additional coverage does and how to choose a policy that fits.
Meet 30/60/25.
Texas requires drivers to demonstrate financial responsibility. Most do this by carrying auto liability insurance.
The state's minimum liability limits are known as 30/60/25. Here's what those numbers mean.
$30,000
Maximum coverage for injuries to one person in an accident you cause.
$60,000
Maximum total coverage for bodily injuries to others in one accident.
$25,000
Maximum coverage for damage you cause to another person's vehicle or other property.
Minimum isn't maximum.
If damages exceed your policy limits, you could be responsible for the remaining costs.
Here's an example.
Imagine you cause an accident that totals another driver's $45,000 vehicle.
If your policy has only $25,000 in property damage liability coverage, you could be responsible for the remaining $20,000.
What else can your policy cover?
Liability insurance helps pay for damage you cause to others. Other coverages can help protect your own vehicle, passengers and finances.
For the unexpected impact.
Helps repair or replace your car after a covered collision, subject to your deductible.
For everything else.
Generally covers damage from hail, flooding, theft, fire, vandalism and certain other noncollision events.
When the other driver falls short.
Can help if you're hit by a driver with no insurance or insufficient coverage, subject to policy terms.
Help with injury expenses.
PIP can help pay certain medical expenses and lost income after a covered accident.
Keep moving.
Can help pay for temporary transportation when your car is unavailable because of a covered loss.
For the side of the road.
Depending on your policy, may help with towing, jump starts and certain roadside emergencies.
Financing or leasing your car?
Your lender or leasing company will typically require collision and comprehensive coverage. Check your agreement for the exact requirements.
Hail happens.
Cars notice.
Texas weather can be rough on vehicles. Hailstorms, flash floods and falling branches can cause expensive damage, even when your car is parked.
Hail damage
Comprehensive coverage generally helps pay for covered hail damage to your vehicle, minus your deductible.
Flood damage
Comprehensive coverage generally helps pay for covered vehicle flood damage. Liability-only policies won't cover your own flooded car.
Falling trees & debris
Comprehensive coverage can also help with damage from falling objects during storms, subject to policy terms.
If severe weather is approaching, move your car to a safe, covered location while conditions still allow.
What will you pay out of pocket?
A deductible is the amount you pay toward a covered claim before your insurance payment is calculated.
Let's do some math.
Your car sustains $4,000 in covered hail damage. Your comprehensive deductible is $500.
Insurance pays $3,500.
You pay the $500 deductible, assuming the claim is otherwise covered and within your policy limits.
Choosing a higher deductible may reduce your premium, but it also means paying more yourself if you file a claim.
Welcome. Let's get your car sorted.
New Texas residents generally have 30 days to register their vehicles after moving. You'll need acceptable proof of insurance.
Tell your insurer about your new Texas address and make sure your policy meets state requirements.
Most noncommercial vehicles no longer need an annual safety inspection, but emissions testing still applies in certain counties.
Visit your county tax office with the required documents and fees.
Good coverage. Sensible price.
The cheapest policy isn't necessarily the right fit. Compare policies using the same coverage limits and deductibles so you know what you're actually buying.
Keep things together.
Some insurers offer discounts when you combine auto and home or renters coverage.
Good habits can pay.
Ask about safe-driver and defensive-driving discounts where available.
Drive less?
Some insurers offer lower-mileage discounts or usage-based options.
Good grades, good news.
Eligible students may qualify for discounts with participating insurers.
Compare more than the monthly payment.
Review liability limits, deductibles, exclusions, rental coverage and the total policy premium before choosing.
Oh yeah.
Insurance.
New car? New address? Teen driver joining the household? Your insurance needs can change as life does.
Hey Charley is independent, which means we can help you explore options from multiple carriers rather than trying to fit everyone into one policy.
We'll help you understand your coverage options, compare available quotes and find a policy that fits your needs.
Your car.
Your coverage.
Let's talk.
Whether you're new to Texas or simply wondering if your current policy still makes sense, let Charley help you compare your insurance options.
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