Why should I have more than basic auto insurance

You never realize how important your auto insurance is until you have to use it. It is something most people take for granted after getting it when they first purchase a vehicle. If you have a local insurance agent it is likely they know you and make an effort to keep your insurance up to date. If you live in Houston, TX or the surrounding area Memorial Insurance Agency is a respected and professional insurance agency that you can count on for help no matter what your insurance needs are. 

In Texas, drivers must prove they can pay for the damages from an accident they cause. The easiest way to do this is with an auto insurance policy. The basic amount required of every driver is 30/60/25. This breaks down as $30,000 injury coverage per person with a cap of $60,000 per accident and $25,000 in damage to property. This sounds like quite a lot until you think about what a typical hospital visit costs and the price of vehicles. Then suddenly it seems very basic and is only adequate you have little or no assets. 

You are not required to carry collision and comprehensive unless you are leasing or have a vehicle loan. Paying to have your vehicle repaired or replaced is on you if you don’t have these types of auto coverage. This can be a very expensive proposition and one you need to really consider when it is time to choose what type of coverage is right for you. 

In Houston, TX,  Memorial Insurance Agency we want to sit down with you to discuss your auto insurance needs. That is how we do business, we listen to you and make sure you get what you need and want at a price you can afford. Stop into the office or call us to get a no-obligation quote.