Do I need more than basic auto insurance

Being able to drive provides a lot of freedom. But before you hit the road, you need to be sure you have the auto insurance required. Most states have basic auto insurance requirements. Basic insurance is the least amount you can legally have but do you need more? At Allen Jones Insurance Agency in Seguin, TX, our staff will meet your insurance needs and provide the information you need to make an informed decision. 

In Texas, drivers are required to prove they can pay for the damages caused in an accident. The most common way to do this is with auto insurance. The very least you can have in Texas is 30/60/25. This is liability coverage. It will pay $30,000 in medical expenses to one person and $60,000 for the entire accident. It also covers $25,000 for any property damage. If you know anything about medical expenses or vehicle prices, you realize this really is basic. 

If you don’t have a lot of assets, this is an acceptable amount of insurance. However, once you have a home, savings, or any other assets, this is not enough to offer you peace of mind. This is where talking to an insurance agent you trust is something you need to do. This protects the other people in an accident, but what about your vehicle?

If you have a car loan, you will need to carry collision and comprehensive insurance, and even if you don’t owe anything, this protection can really help out if anything happens to your car. Having the money to pay for repairs is not easy for everyone, and when you need your car to get to work, it has to get repaired. 

If you live in or near Seguin, TX, the Allen Jones Insurance Agency would love to talk to you about auto insurance. Give us a call or stop by the office for a free quote.