Get the Right Coverage
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in Houston, Texas, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
Auto Insurance Coverage options in Houston, Texas:
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
What you cover in auto insurance ?
Liability Coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.Whenever you drive in Texas, you need to carry proof that you are insured.
Medical Payment
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Collision
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected.
Personaly Injuiry
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Comprehnsive
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
Motorist
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
More information about auto Insurance coverage type.
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Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Getting An Auto Insurance Quote
Quoting online with peace is quick & easy answer a few simple question, give us some information about your driving history & we will give you an accurate quote to consider.
The Insurance Quote Process
1.
Fill about information of your.
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2.
Fill information about your car.
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3.
Fill the driver inforamtion.
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4.
get a quote
Show us Your discounts.
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Why Ayuda Hispana insurance agent ?
Now you know why there are insurance companies. Even if you purchase car insurance because it’s required by the State, what you’re really buying is peace of mind — you know that you don’t have to worry about unexpected financial hardship in the future due to an auto accident.
We offer many different insurance products and services, so you’re sure to find the affordable coverage you need to protect your car and keep your dreams alive.
Find the right independent insurance agent to assist you with all your insurance needs.
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