The Basics of Auto Insurance and What Texas Drivers Need to Know

Understanding auto insurance is essential for every Texas driver, whether you’re hitting the road for the first time or want to make sure your coverage fits your needs. At McDermett Insurance Agency, we’re committed to helping our clients navigate the ins and outs of Texas auto insurance so you can drive with confidence.

What Coverage Is Required in Texas?

Texas law requires all drivers to carry a minimum amount of liability insurance. This coverage helps pay for injuries or property damage you cause to others in an accident. Now, while liability coverage is required, there are also several other optional coverages you can consider, depending on your needs.

• Collision coverage can help pay for damage to your own vehicle after an accident, regardless of fault.
• Comprehensive coverage can help with non-collision events like theft, vandalism, hail or flooding.
• Uninsured or underinsured motorist coverage can cover your expenses if you’re hit by a driver with little or no insurance.
• Towing and rental reimbursement can assist with costs if your car needs repairs after a covered loss.

Tips for Choosing the Right Policy

Selecting the right auto insurance policy can feel overwhelming, but our team is here to help. Consider these tips:

• Think about your vehicle, driving habits and financial situation.
• Compare coverage options by considering what’s included in each policy.
• Ask about discounts. Many insurers offer savings for safe driving, bundling policies or having safety features.

Review your policy regularly because, as life changes, so do your insurance needs.

How We Help Texas Drivers

At McDermett Insurance Agency, we work closely with Texas drivers to explain coverage options, answer questions and find policies that fit your lifestyle and budget. Our goal is to make auto insurance straightforward and stress-free.

Ready to review your coverage or get a quote? Contact our team today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.