Austin Auto Insurance is Necessary
Whether you live in Austin, TX, population 842,000+, or Austin, MN, population 24,800+, Austin auto insurance is necessary. First, it’s required by state law! Second, you’ll want it for your financial protection.
A city with nearly a million residents certainly has a lot of cars, trucks, buses, and motorcycles on its streets and roads. No responsible person would want to be on the streets without the financial protection of Austin auto insurance.
And if you’re in Austin, MN, you’ll want insurance to protect you, too. With the cold weather and slippery conditions, even the very best drivers can get caught up in accidents through no fault of their own.
Texas Liability Insurance Requirements
Texas law requires owners of vehicles to have liability insurnce with minimum limits of $30,000 medical per person, $60,000 medical per accident, and property damage of $25,000. Liability insurance covers the expense of other parties in an accident for which you are at fault. It does not cover your expenses!
The Texas Department of Insurance has a website with valuable information. You can access it here: http://www.tdi.texas.gov/pubs/consumer/cb088.html
Additional Insurance Highly Desirable
When considering Austin car insurance, there are two reasons buying more than the state-required minimum liability insurance is a good idea:
- It is very easy to exceed the minimum-required limits. With serious injuries, medical bills could easily top $60,000 in a very short time.
Property damage of $25,000 could be easily exceeded. Imagine a multi-car accident!
- Liability insurance does not cover damage to your vehicle. Collision insurance is available to cover such damage.
Today a Ford F-150 costs as much as $50,000. Doesn’t it seem like a good idea to have insurance with more than the required liability coverage plus collision insurance?
Research Austin Auto Insurance Online
Buying Austin auto insurance can be quick and easy, time consuming and hard, or in between.
My suggestion is to do all the legwork at your home or office, using the Internet to access tools and information. The Texas website, link above, is one such example.
If you google (or bing, if you prefer) “austin auto insurance” you’ll find many helpful sites. Many will be websites of insurance companies with recognizable names—insurance companies you already recognize and respect.
Many sites offer free quotes for Austin auto insurance. Some even offer ways to compare quotes.
By utilizing online sources, you can easily become familiar with the Austin auto insurance environment. After some research, you can decide whether to actually buy insurance online or go to a local agent. Many of the sites help you find one of their agents.