Auto Insurance in Bellaire, TX
Automobiles have had a significant influence on how the Houston area has developed. From suburbs such as Bellaire, Pearland, and Sugar Land, to the business districts of Houston itself, we rely on our vehicles to navigate the roads and highways every day. Since 1978, L-Young’s Insurance Agency has helped locals keep their cars running, and their lives moving. As the premier provider of auto insurance in Bellaire, TX, we offer multiple policies to ensure you get the best option available.
The Importance of Having the Right Car Insurance Policy
Auto insurance is designed to help cover car-related damages, loss, or injuries from a financial perspective. Having good auto property coverage not only helps protect you and your vehicle in the case of an accident, but it also serves to protect your passengers, other drivers, pedestrians, and property. Additionally, car insurance covers you in the event of a lawsuit associated with an incident involving your car. There are three main types of coverage: property, liability, and medical coverage.
- Auto property coverage pays for any damage to your automobile in an accident or theft.
- Auto liability coverage pays your financial responsibility to other drivers for bodily injury or property damage in an accident.
- Medical coverage pays for the treatment or rehabilitation of injuries in the case of an accident. It may even pay for lost wages or funeral costs, depending on your level of coverage.
With so many car insurance companies available, as well as various coverage options to choose from, it’s easy to get overwhelmed when deciding which insurance agency and insurance plans are good for you. But with L-Young’s Insurance Agency, we consider each client’s individual needs. Also, obtaining affordable and quality insurance is a quick and easy process.
According to a 2015 report by the Insurance Information Institute, an estimated 14% of drivers in Texas were uninsured. This means that millions of Texans would be unable to cover property damage or pay for after-accident medical costs should they be found at fault in an accident with you. Auto insurance ensures that in this case, you are covered.
Why Do I Need Car Insurance?
Texas state insurance laws require that you maintain certain levels of car insurance to ensure you can pay for any accident you may cause. Currently, the Texas car insurance minimum requirements are as follows:
- $30,000 per Injured Person per Accident
- $60,000 per Accident
- $25,000 for Property Damage per Accident
Although these are the bare minimums required by law, it is important to note that due to car prices and the high costs of medical care, these minimums may not be enough to cover all costs. For instance, other drivers could sue you to collect the difference in costs. As such, we recommend buying more than just the minimum to protect yourself from financial damage.
Whether this is your first car insurance policy, or you are shopping for a better rate on your current policy, our insurance brokerage agency is here to help. We’ll provide you with rates from multiple insurance companies to find the best combination of price and coverage. At the same time, we’ll clearly explain the options, so you can make the best decision on which plan works best for you.
How Much Does Car Insurance Cost?
The Texas Department of Insurance regulates the premiums on your auto insurance policy. Still, your policy is unique. It is determined based on a variety of factors unique to your situation, including:
- Whether the Car Is for Personal or Business Use
- Year, Model, and Make of the Car Being Insured
- Previous Levels of Auto Insurance
- Policy Holder’s Previous Driving Record and Driving Experience
- Policy Holder’s Age, Gender, and Marital Status
- Policy Holder’s Location
- How Often the Car Is Driven
In Texas, your credit score can also be considered when determining the premium you will pay. There are several ways that L-Young’s Insurance Agency can help you lower your premium, such as good-driver and good-student discounts, as well as bundling with other types of insurance or insuring multiple vehicles. Ask us how we can help you save on your car insurance!
How to Get Auto Insurance in Houston
Residents can take advantage of competitive auto insurance rates by contacting our insurance brokerage agency today. As a local broker, we can provide personal service with regular communication and policy reviews.