Texas state law requires that all vehicle owners purchase liability insurance so that other drivers are protected. Although comprehensive insurance isn’t mandatory, many vehicle owners also choose to have this type of coverage on their vehicle. Read the frequently asked questions below to learn additional information about comprehensive Auto Insurance in South Austin TX.
Why would car owners need comprehensive insurance on their vehicle?
A comprehensive insurance policy covers most other types of vehicle damage that’s not caused by a collision with another vehicle. This includes car damage caused by hitting a large animal on the road, falling objects, such as a tree limb, floods, hailstones and fire. If a vehicle is vandalized or stolen, a comprehensive policy will also cover these kinds of damages.
Car owners who wouldn’t be able to pay for these types of damages out of their own pocket, often purchase comprehensive insurance so they’ll be covered. Individuals who are making car payments to a lending institution are usually required by the lender to buy this type of insurance.
Is it expensive to have a comprehensive insurance policy on a vehicle?
The cost of comprehensive insurance will vary depending on the deductible amount that each individual chooses to pay. A deductible is the cost that people pay themselves to fix the damaged vehicle before the insurance picks up the remainder of the cost. Those who choose a higher deductible amount will pay less for their insurance premiums.
Other factors that determine the cost of a comprehensive policy include an individual’s driving record, the make and model of their vehicle, and the amount that it would cost for repairs. Many individuals who own an older model vehicle do not purchase comprehensive insurance because the total value of their vehicle isn’t worth the cost of the insurance. After receiving a quote, most people discover that comprehensive Auto Insurance in South Austin TX is actually quite affordable.
Car owners who want more information about comprehensive auto insurance and those who need to insure their vehicle can contact Patrick Court for an automobile insurance quote. In addition to auto insurance, State Farm also provides motorcycle, home, health and small business insurance.
