Understanding the Different Types of Car Insurance Coverage

When it comes to car insurance in Texas, understanding the different types of coverage available is essential. With cheap car insurance in Texas being a top priority for many drivers, having a clear understanding of auto insurance options is crucial. Join Contigo Agency as we explore the various types of car insurance coverage, helping you make an informed decision to ensure both affordability and adequate protection. Contact us today to get started!

paper reading "liability insurance"

Liability Insurance

Liability insurance is mandatory in Texas and is designed to cover bodily injury and property damage caused by the insured driver. This coverage helps protect you financially if you are held responsible for an accident. It is important to note that liability insurance only covers damages to others and their property, not your vehicle.

car collision

Collision Coverage

Collision coverage is not required by law, but it is highly recommended. This type of coverage helps pay for repairs or replacement of your vehicle in case of a collision, regardless of who is at fault. It provides peace of mind and ensures that your car is protected, especially if you own a newer or more valuable vehicle.

Insurance agent reviewing policy

Comprehensive Coverage

Comprehensive coverage goes beyond collisions, protecting a wide range of incidents such as theft, vandalism, fire, or natural disasters. If your car is stolen or damaged due to non-collision events, comprehensive coverage can help cover the costs of repairs or a replacement.

"insured" and "uninsured" on paper, "uninsured" circled

Uninsured/Underinsured Motorist Coverage

Unfortunately, not all drivers on the road carry sufficient insurance coverage. Uninsured/Underinsured Motorist Coverage protects you if you are involved in an accident with a driver who does not have insurance or whose insurance is insufficient to cover the damages. It helps pay for medical bills, lost wages, and even property damage caused by uninsured or underinsured drivers.

Understanding the different types of car insurance coverage in Texas is essential for finding the right balance between affordability and protection. While seeking cheap car insurance in Texas is a common goal, it's equally important to ensure you have adequate coverage to protect yourself and your assets. There are many more types of car insurance, and at Contigo Agency, we’ll help you find the perfect policy for you, at the best rates. Contact us today to get started with auto insurance in Texas!

Get A Quote