Auto Insurance in Houston, TX
Auto insurance can help shield your finances should your car get damaged or involved in an accident. Best Option Insurance & Tax is here to assess your coverage needs and match you with a suitable policy.
What Does It Cover?
Specifics may vary depending on your carrier, but a standard auto policy often offers the following coverages:
- Liability coverage may help pay for the associated costs if you’re deemed liable for inflicting bodily harm or property damage to another party in an accident.
- Collision coverage may help cover your vehicle’s repair costs after a collision with an object or a vehicle.
- Comprehensive coverage may help pay for your car’s repair costs if it is damaged by theft, vandalism, certain weather events or fire.
- Uninsured/underinsured motorist coverage may cover repair costs if you are hit by a driver with insufficient coverage or if you are a victim of a hit-and-run.
- Personal injury protection may help pay for you and your passengers’ medical expenses, wage replacement and other losses after an accident, regardless of fault.
How Much Coverage Do I Need?
The amount of coverage that you need will depend on state law. Texas mandates drivers to carry minimum amounts of third-party bodily injury liability and property damage liability. You can increase your coverage limits if you want a higher level of financial protection. You can also purchase additional riders depending on your coverage needs and preferences.
How Much Does a Policy Cost?
The following are some of the key factors that may affect the calculation of your auto premiums:
- Age
- ZIP code
- Driving record
- Claims history
- Type of vehicle
- Annual mileage
- Policy specifics (e.g., deductible, coverage limits)
Get Covered Today
Connect with Best Option Insurance & Tax today to explore your auto insurance options or request a quote.