Do I Really Need Liquor Liability Insurance in Texas?
Your personal Britton and Britton Insurance agent can answer all your inquiries about auto insurance in Texas. We are your insurance advocate. Our sole interest is to help answer your questions so you can make a more informed choice about your insurance needs. We partner with many different insurance companies, to give you a choice of quotes, coverage levels, and options.
Insurance companies look at similar factors to determine rates such as driving habits, type of vehicle, experience of a driver, coverage selection and so on. However, each company has its own quoting methodology and calculations for determining rate. For that reason, it is helpful to shop car and home insurance quotes from different companies. That’s what we do. Put us to work for you now and start your quote.
What is liability only coverage?
Liability coverage is a part of your car insurance policy and helps pay for the other driver's expenses if you cause a covered car accident. It is important to note there are two types of liability coverage: bodily injury and property damage. Selecting a “liability only” option does not cover your own vehicle damage, bodily injury or medical bills.
What is minimum limits coverage?
Texas law requires you to have at least $30,000 of coverage for bodily injury per person, $60,000 per accident, and $25,000 of coverage for property damage. This is often referred to as 30/60/25 coverage. If you were to cause an accident and “total” a car with these limits, then your property damage insurance would be exhausted at $25,000. You could be personally responsible to cover the other drivers repairs and medical bills of your pocket. Think about how many cars on the road cost more than $25,000, are your assets at risk.
What is Full Coverage?
It depends on your definition of “full coverage.” Some people define it as Texas state-mandated bodily injury and property damage liability insurance coverage, plus collision and comprehensive coverage. Others include personal injury protection, medical payments coverage, and uninsured/underinsured motorist coverage as part of their definition. While still another description could contain towing, roadside assistance, rental reimbursement, or loss of use. Ask for each type of automobile insurance coverage you desire on your policy so there is no room for misinterpretation. You do not want find yourself uncovered in an accident.
What information will I need to compare car insurance quotes?
It is helpful to know your vehicle identification number (VIN), coverage limits so you can compare “apples to apples” as well as and specialty benefits like accident forgiveness or disappearing deductible. Most of this information can be found on your declaration page. Additionally, the insurance companies will require birth date, driver’s license and social number to confirm consumer reports including your ticket and accident history to achieve an accurate quote. Complete this form on our website to start your secure quote now.
The agents at Britton and Britton Insurance offer impartial advice so you can easily navigate options and can select the coverage that you feel is right based on your needs. Once they receive your quote they answer your questions so you can select the coverage that is right for you.
Is it cheaper to buy insurance online?
Independent insurance agents partner with you, along with many different insurance companies, to give you a choice of quotes, coverage levels, and options. The agents at Britton and Britton Insurance work for you and offer impartial advice so you can easily navigate options and can select the coverage that you feel is right.
Our services are free. We do not charge extra to compare quotes for you or setup your policy. The insurance companies provide us a commission from the purchase of the policy. If you get a direct quote and enter the identical information, including the entry of driving history and billing plan selection you should arrive at the similar price as we offer when quoting. The difference is you do not have your agent’s impartial advice when asking questions about your insurance concerns or quote.
Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions, and conditions that can only be expressed in the policy itself. In the event of a conflict, the terms and conditions of your policy prevail. This information is provided solely as an insurance risk management tool. It is provided with the understanding that we are not providing advice or any other professional services. We shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information.
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