Auto Insurance in Needville, TX

Any driver may benefit from auto insurance. A policy may provide vital coverage to save you from devastating financial consequences after an accident. It may shield you from costly repairs, medical bills and legal expenses.

Why Do I Need Auto Insurance?

Texas law requires you to demonstrate financial responsibility for accidents you cause. The most common way drivers meet this requirement is by purchasing minimum levels of auto liability insurance. However, this minimum might only provide an amount that can be exhausted by a single emergency room visit. It’s advisable to get higher coverage limits for more financial support, especially in serious accidents.

You also need insurance if your vehicle is financed, as your lender will typically require you to maintain both collision and comprehensive coverage. They usually do this to protect their financial interest in the vehicle until your loan is completely paid off.

What Does Auto Insurance Cover?

A standard auto policy typically includes the following:

• Liability coverage may compensate for bodily injury and property damage you cause to others.
• Collision coverage may cover repairs to your vehicle after an accident.
• Comprehensive coverage may cover damage unrelated to a collision, such as fire, theft and vandalism.
• Medical payments coverage may pay for healthcare costs regardless of fault.
• Personal injury protection may pay for medical bills and lost wages after an accident, regardless of fault.
• Uninsured/underinsured motorist protection may provide financial aid after an accident with an at-fault driver who lacks insurance.

What Factors Impact Auto Insurance Rates?

Insurance companies usually calculate your premium based on the following:

• Driving record
• Driver’s age, gender and marital status
• Vehicle age, make and model
• Annual mileage and primary use
• Credit score
• Location and parking situation
• Coverage limits and deductibles

Get Covered Today

Needville Insurance offers reliable and affordable auto insurance options. Contact us today for a personalized quote.