Auto Insurance

Auto Insurance In Texas

Whether it’s running errands, commuting to work, or going for a vacation, your car provides an unrivaled layer of convenience. While you enjoy cruising on the open roads of Texas, you need to insure your car for the below reasons:

  • Protects your investment: Because you have invested thousands of dollars in your car, insuring it against damage, theft, and other risks is one of the wisest decisions you will ever make.
  • It’s mandatory: Like most states, auto insurance is mandatory in Texas. Failure to prove ownership of auto insurance could receive numerous penalties that include fines and loss of license.

Texas law requires your auto insurance to cover a minimum of the following:

  • • $30,000 for bodily injury in every accident
  • • $60,000 per accident for bodily injury
  • • $25,000 for property damage

In short, the basic mandatory coverage is popularly referred to as the “30/60/25” coverage. It covers property damage and bodily injury up to the policy limits. With this in mind, it’s important to carry more coverage in case of a severe accident. Why? You are financially liable for excess liabilities once the limits of your minimum coverage are exhausted.

Types of auto insurance

Typically, your auto insurance will have the following options:

  • Personal injury protection (PIP): Whether you or your passengers get injured during a vehicular accident, PIP covers the arising medical expenses.
  • Comprehensive coverage: It not only protects your vehicle against collision incidents but provides cover against theft, vandalism, fire, and damage from natural calamities.
  • Liability insurance: Covers for third party’s bodily injury or damage to their property by your vehicle.
  • Uninsured/underinsured motorist coverage: This insurance helps to cater for medical bills and damages in the case of an accident with an underinsured or uninsured driver.
  • Medical payments coverage: Covers for medical costs resulting from a car accident regardless of who is at fault.

While minimum insurance is usually the state requirement, full auto insurance is ideal for providing you with complete protection against injuries, losses, damages, and other liabilities involving your vehicle.

Auto insurance in Texas

As a Texas resident, when looking for auto insurance, it’s wise to contact ProCo Insurance. That way, you will drive with peace of mind knowing that you are protected from the unexpected.

Our Insurance Services

When it comes to insurance, we strive to provide the best. We can help you get the following coverages:

Partner Carriers

  • Allstate
  • Berkshire Hathaway
  • Bristol West
  • Encompass
  • Foremost
  • Kemper
  • MetLife
  • Progressive
  • State Auto
  • The Hartford
  • Travelers