Auto Insurance

Auto insurance is more than just coverage - it is financial protection in case you get involved in a car accident. Car insurance protects not only a car owner, but other family members, passengers, and other drivers involved in a car accident. The state of Texas requires all car owners to carry car insurance, which means that driving without proper insurance is illegal. If you are a resident of the Lone Star State and you shopping for car insurance, Essential Insurance Service has prepared a list of things that you should know:

  • There are certain factors that have an impact on your car insurance rate, including driving record, vehicle usage, type of vehicle. rate trends, and credit score.
  • The cost of auto insurance also depends on a deductible - the amount that is paid out of pocket first before insurance kicks in. The higher deductible is, the less you have to pay for your insurance.
  • Auto insurance in the Lone Star State must include minimum liability coverage. However, this coverage does not cover you as a driver and your vehicle. It will only cover other individuals and their vehicles if you were found liable for an accident. The minimum liability is great for those who are on a tight budget, but it does not provide adequate coverage.
  • If you are planning to use your personal car for business purposes, it will not be covered by standard auto insurance. You will need separate commercial auto insurance to protect your car

If you are a car owner in Texas and you are shopping for auto insurance to protect yourself and your vehicle, Essential Insurance Service will be happy to assist you. Our experienced and knowledgeable agents will answer all your questions and provide you with the information you need. Do not hesitate to visit our website or give us a call.