Every Austin, Texas vehicle has to be covered by insurance. If you are involved in an accident, your car gets vandalized or stolen, or if it suffers from damage due to other conditions, you will be glad you are covered. If you are not covered, you can face some steep penalties since it’s the law. If you are paying too much for coverage, or you need coverage, it’s important to know how to get the best rates for the best coverage for your Car Insurance in Austin, Texas. The following will cover a few of the things you have to consider.
Minimum requirements – Every state has its standard minimum requirements for auto insurance coverage. The minimum coverage in Texas now is 30/60/25 which equates to $30,000 per person injured, $60,000 per accident, and $25,000 for property damage per accident. If you do not have at least this coverage you could incur penalties like fines between $175 and $1,000 depending on the circumstances. You may also have your license suspended and your car impounded.
Car liens – If you are making payments on your car you also have to carry comprehensive and collision coverage to satisfy your lender.
High risk – High risk drivers often have to pay higher rates, but that does not mean you cannot find affordable Car Insurance in Austin with the right agency. High risk drivers are those with excessive tickets, accidents, coverage lapses, or never having coverage.
Credit score – You do not have to have good credit to obtain auto insurance coverage. If this concerns you, look for an agency that provides coverage with no credit check required.
Teen drivers – Having a new teen driver in your household is likely to drive up your rates in most cases. If your current coverage has gone up due to a teen driver, check for lower rates to save money on your coverage.
It is important to purchase the right amount of coverage to meet the state requirements and the auto lender guidelines. You also have to consider how you use your vehicle and if you want more than the standard amount of coverage on your automobile. Dillo Insurance agents can help you with all your coverage needs with affordable options regardless of your situation.
