To say this year and half has been a tough one would be quite the understatement. You have a lot on your mind, from health troubles to political worries to money fears. You have a lot of money going out every month, and not nearly enough coming in. Does this sound familiar. You’re not alone! Pronto Insurance is here to help you. We offer the car insurance you need, for a lower price than you may expect.
Texas Minimum Car Insurance
The state of Texas mandates that you have insurance coverage on your vehicle. It requires drivers to show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance.
Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.
While these are the minimum coverages Texas requires you to have, everyone’s car insurance needs are unique. The minimum liability limits might be too low if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket. The other driver could sue you. We recommend you speak to one of our friendly and professional representatives to get a personalized recommendation. When you get a free online quote, you can learn ways to have the coverage you need at a cost you’re happy with.
How to Lower Your Car Insurance Costs
You need Texas auto insurance, but you have other bills to pay. You can lower your monthly insurance payment by trying out one, two, or all three of these tips:
#1 Shop around. Don’t assume the price of insurance is the same with every company. It is not! Some companies have a massive advertising budget and pay for national television commercials by charging you a higher rate!
#2 Buy a reasonably-priced, safe car. Car insurance premiums are based in part on the car’s price, the cost to repair it, its overall safety record, and the likelihood of theft. A fancy red sports car is going to be much more costly to cover on a monthly basis than a sensible sedan.
#3 Ask for higher deductibles. Deductibles are what you pay after an accident before your insurance policy kicks in to cover the rest. By requesting higher deductibles, you can lower your monthly costs substantially. For example, increasing your deductible from $500 to $1000 could reduce your collision and comprehensive coverage cost by 40 percent or more. That’s going to make a big difference in your monthly budget!
This is only the beginning of the ideas we have for you that will help you save money. Contact us today to learn more!