One of the most significant assets that most people own is their car. For those that are in the Ft. Worth, TX area, having a good insurance policy in place is very important. But several factors should be considered when getting a new insurance policy.
Minimum Requirements
When you are looking to build a new auto insurance policy, the first factor that you should consider is what the minimum requirements are for coverage. Similar to other states, Texas requires that all drivers carry minimum levels of liability insurance coverage. The State of Texas requires all drivers to comply with the 30/60/25 coverage law. This means that you will be required to carry liability bodily injury coverage of $30,000 per person and $60,000 per incident plus property damage of $25,000 per accident.
Collision and Comprehensive
As you are looking for a new auto insurance policy, you will also need to consider whether you should get collision and comprehensive insurance coverage. Collision insurance coverage will provide you with coverage to your vehicle in the event you are found at fault in an accident or if the other driver that is at fault does not have coverage.
Comprehensive coverage will provide you with a wide range of coverage types including coverage if your car is stolen, vandalized, damaged due to weather, or if you are involved in an accident with an animal. Both collision and comprehensive coverage are typically required by auto lenders and it would be a good idea if you cannot afford to replace your vehicle.
When looking for a new auto insurance policy in the Ft. Worth, TX area, reaching out to Main Street Independent Insurance would be beneficial. Main Street Independent Insurance is a leading consumer insurance agency and can help get you into a policy that provides you with the necessary coverage. Reach out to our agents for more information.
