Auto – Car Insurance in San Antonio | Cheap Rates

There are multiple considerations to take when you are looking for choosing San Antonio Car Insurance. A thorough plan covers you, your passengers (even if your passengers are pets!), your vehicle, and any legal liability if you are the responsible party in the event of an auto accident.

Automobile Insurance san antonio

Car Insurance San Antonio

Meeting State Requirements for a Car Insurance Policy

The state of Texas requires drivers to pay for the accidents they cause, so most drivers start with buying Auto Liability. This type of car Insurance pays to repair or replace the other driver’s Automobile and pays their medical expenses as well.

Make Sure Your Car Insurance Policy Has You Well Covered

Most drivers will also want to make sure they have automobile insurance in San Antonio and collision coverage for their own Automobile, which will pay for damages in the event that you have caused an accident with another driver or an object, i.e. light pole, wall. Comprehensive Auto coverage pays for damage caused by events other than a collision with another Automobile. This coverage includes vandalism, theft, hail damage, hitting a deer or animal, falling objects and flood. With these coverage’s, your vehicle will be repaired, less your deductible, or replaced, if the vehicle is a total loss.

You also want to make sure your own medical expenses and personal injury needs are met through medical payments coverage and personal injury payments (PIP). PIP can cover lost wages due to your injury and even the cost of a care-giver for the injured.

You can also add in, a loan/lease payoff option on your Policy. If a vehicle is stolen or damaged beyond repair you might still owe more on the loan of lease option than the vehicle is worth. Once your comprehensive or collision Insurance coverage has paid you the actual cash value of your vehicle, loan/lease payoff coverage make up the difference on what you may still owe. There’s nothing worse than still making payments on wheels you can no longer own and drive!
Auto policies in the State of Texas contain several different coverages. To help you better understand it, we prepared a brief guide for you.

Liability: As in most other states, Texas requires all drivers meet the minimum financial requirements for bodily injury and property damage for accidents they are legally responsible for. The current limit is $30,000 per person, $60,000 per accident and $25,000 for property damage. This is included in the basic vehicle policy. However, increasing the limits to say $100,000/$300,000/$50,000 may only cost you $10.00 to $15.00 more per month. It is a very wise investment to pay for the higher limits in case you are sued by a lawyer for an at fault accident you caused.

car Insurance san antonio

Personal Injury Protection (PIP) and Medical Cost:

Both of these coverages pay for medical expenses for you and anyone in your covered auto regardless of fault. This is referred to as “no fault insurance”. The difference between the two is that PIP also covers lost wages, caregiver services, and medical. However, medical only provides coverage for medical expenses.

Uninsured Motorists

Uninsured/Underinsured Motorist: This protects you if an “at fault” driver hits your vehicle but he/she has no Drivers Policy to pay for bodily injuries and property damage. Lets face it, not all drivers will do the responsible thing by getting a policy for their car. The underinsured motorist coverage will also pay for any additional cost if the “at fault” driver has the minimum liability limits. For example, if your vehicle is worth more than the minimum of $25,000 allowed for property damages, you can claim the difference under this coverage.

Collision coverage

Collision: This pays for damage to your covered auto if you hit a fixed object, overturn your ride or an accident which is your fault. The most common deductible we quote for this coverage is $500.00. However, you can choose any deductible for this coverage.

Other than Collision (OTC): This coverage, to your ride, protects from theft, vandalism and fire. Also, any damage from a flood, falling objects, hail or hitting an animal. This coverage is also subject to a deductible.

Rental Reimbursement

Rental Reimbursement: This is very important coverage especially if you use your car for work and back. It pays a set amount for rental reimbursement if your car is at the body shop for covered repairs. You must have collision and other then collision coverage on the covered auto as well.

Roadside Insurance coverage

Roadside Assistance

Roadside Assistance/Towing Reimbursement: Roadside assistance, as the name implies, covers the cost of certain repairs where your vehicle becomes disabled. This includes fixing or changing a tire, recharging your battery, getting locked out or running out of gas. Not all policies include roadside assistance but will provide coverage for towing your car.

Additional Auto Policy Considerations:

A plan that also covers you if you are hit by an uninsured driver.
If you have added custom parts and features to your vehicle you may need to add these components separately in your Car Policy.

Decreasing Vehicle Insurance Costs

It’s necessary all car drivers maintain auto coverage, but some drivers struggle to afford this additional cost to owning or operating a vehicle.

Shop around and do your homework! Finding car quotes online is easy and fast. Within minutes you can have several quotes from leading carriers. Getting multiple quotes before making the final decision on your car insurance helps ensure you the best deal.

To reduce the cost of car insurance, a driver should also consider:

Maintain a Good Credit Score

All lenders check credit scores before lending a new line of credit. Underwriting companies are no exception. To help ensure a person can carry out the minimum responsibility of paying the monthly or quarterly premiums on time, wise agents always check credit scores. If you don’t have a good credit score, try to boost it before applying for the policy. This helps lower premium rates.

A Clear Driving Record

If your driving record shows road accidents, traffic violations, and tickets, your insurance premium will be raised because you’re considered a risk for further claims. The insurer reduces his own risk by charging you more.

A High Deductible

When you set up your policy, you set an amount as the deductible that you’re going to pay when you file a claim. Setting a high deductible can translate to lower premium rates, but don’t settle on an amount that is beyond your affordability.

Take a Driving Course

If you can complete a driving course from a reputable driving institution, you’ll be deemed a safe driver. Complete such a course soon after buying your vehicle as this can easily help you save your dollars on your auto insurance policy.

Operate a Safe Vehicle

Insurance companies evaluate your risk as a driver, but also your car’s risk an the object being insured. Reduce the risk of your vehicle by installing safety features such as anti-lock brakes and alarms to make the vehicle less prone to accidents and thefts. If you add such features be sure to notify your insurance agent and ask for a reduction in your premium.