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Auto Insurance Information
Texas Car Insurance
Texas has more than 17 million registered drivers, which is the second highest number of drivers in the United States. They travel on more than 300,000 miles of roadway within the Lone Star State every day, and on every inch of pavement, they face accident risks.
Nowhere are these risks more prevalent than in the Houston area, which is both Texas’ largest city and the fourth-largest metro area nationwide. To protect themselves behind the wheel, Houston-area drivers need to have exceptional car insurance in place.
If you are looking for your perfect policy, then don’t hesitate to contact Avalon Insurance Agency. We have years of experience serving residents of Houston, The Woodlands, Spring and all of Texas, and we’re the place to come when you want expert guidance on choosing the plan you need.
To get a policy quote, just contact us:
Why is auto insurance important?
Common Car Insurance Questions
In 2019, there were more than 560,000 vehicle crashes in Texas, and 3,288 of them were fatal. Whether large or small, accidents might be very expensive, and you don’t want to face a huge repair bill, medical costs or a lawsuit that you cannot afford. Car insurance is designed to help you avoid these risks.
With quality auto insurance, you will have financial protection against the costs of wrecks and other vehicle damage, along with the personal injuries that both you and others might sustain. Overall, the right policy can be instrumental in helping you be a safer, more responsible driver.
What coverage do I need?
You need an auto policy that is customized to fit your operating needs. Therefore, it is best to tailor your benefits to your advantage with the help of your agent. However, you also must carry certain coverage.
By law, all Texas drivers must carry at least the following auto liability insurance:
$30,000 bodily injury liability coverage per person
$60,000 bodily injury liability coverage per accident
$25,000 property damage liability coverage per accident
You must carry this coverage because Texas law requires drivers who cause accidents to pay for the damage they do to others. Auto liability coverage will compensate third parties, like other drivers, for their property damage and the costs of injuries that they sustain.
Remember, these are only the minimum policy limits required for you to drive legally. We recommend that you carry much more expansive coverage, including:
Higher liability coverage limits.
Physical damage insurance for your vehicle, in the form of both collision coverage and comprehensive coverage (which pays for non-collision damage).
Uninsured motorist coverage to pay for your losses if you get hit by an uninsured motorist or if you are the victim of a hit-and-run accident.
Medical payments benefits that will cover the costs of your recovery if you get hurt in a wreck.
There are multiple ways to adjust the limits, deductibles and claims that your plan will cover, and our agents are experts in helping every client tailor their benefits in the most advantageous ways.
What does auto insurance cost?
We understand that cost will likely be at the forefront of your mind when searching for the right car insurance. After all, you must be able to afford your policy to continue to pay for it and keep it active.
Numerous factors could influence your premium, including your vehicle value, driving record, chosen policy limits, how much you drive and where you live. However, Avalon Insurance’s relationships with multiple industry carriers enable us to compare numerous policy options to find the one that offers you the most affordability and the best opportunities to save. You can trust us to always keep your budget front-of-mind when counseling you on how to tweak your coverage to your advantage.