If you need car insurance in San Marcos, Texas, Matt Patterson Insurance Agency has you covered. We’ve got the coverage you need at affordable prices. Whether you’re looking for full coverage or just wanting enough coverage to stay legal on the road, we’ll set you up with an affordable monthly premium that fits your budget and offers you protection you can rely on. We offer competitive car insurance rates that make it easy to stay legal.
Car Insurance in San Marcos TX
Below you’ll find an outline of the most common types of auto insurance coverage Texans rely on to keep themselves protected on the road. Liability Insurance helps cover damages you might cause on the road in the event of a car accident. It’s required in Texas, and has two core components:
Bodily Injury Liability Coverage
In Texas, you legally need insurance coverage that covers bodily harm in the event of a crash. You’re required to have at least $30,000 of coverage per person for these types of injuries, up to a total of $60,000 per accident. While these limits will cover you for most collisions where bodily harm occurs, it may be worth taking out a bit more if it’s within your budget.
Property Damage Liability Coverage
If you get in a car accident that causes property damage and you’re found to be at fault, you need coverage that pays for repair or replacement of the property. This is required in Texas, so be sure you have it on your plan. The minimum required coverage is $25,000, though it’s a good idea to consider higher limits in the event you accidentally damage valuable property.
As the name implies, collision insurance covers your own car in the event that you wind up in a crash. Whether you’re in a collision with another car or crash into an object such as a tree, your auto collision insurance helps cover the costs to repair your car or truck. It’s important to know that this type of auto insurance doesn’t protect against hitting wildlife.
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Uninsured Motorist Coverage
While every driver on the road is required to have car insurance in Texas, some may not be following the law. If you’re in an accident with a driver who doesn’t have an insurer protecting themselves and their car, uninsured motorist coverage can save the day. If the other driver is at fault but are uninsured, or if they don’t have enough insurance to cover the damage, or if they hit and run, you’re covered.
Comprehensive insurance is great to carry, as it can protect you against a lot of unforeseen issues and keep you out of debt in the event that your car is damaged in events that don’t necessarily include a crash. From fire to theft to accidents involving wildlife such as deer, a comprehensive insurance policy can help keep you on the road.
There are many types of coverage that fall under special classes or as extra insurance that can help keep you protected in various scenarios. Here’s a quick look at three of the most common types.
Classic Car Insurance
If you enjoy collectible or vintage cars, you’ll want a special type of coverage to keep them protected. This classic insurance is similar to traditional coverage, but it has some features that make it fit more niche needs. This type of insurance tends to cost a bit more than a regular average car insurance rate, but that’s not always the case.
Rental Reimbursement Insurance
If you’re stuck without a car after an accident, you may find it difficult to get around without breaking the bank. Ride-share services are great, but can be expensive if you rely on them daily while your vehicle is in the repair shop. Paying for a rental can be costly too, so rental reimbursement helps you, as a renter, cover the costs until your car is back on the road.
Personal Injury Protection Insurance
If you need medical attention after a wreck, you’ll likely wind up with some unplanned bills. Worse, if you’re unable to work due to your injuries, it can be hard to come up with the money you need to stay above water while you get back on your feet. PIP insurance helps cover medical expenses so you can have peace of mind while you recover.
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How Much Does Car Insurance in San Marcos TX Cost?
Your insurance rate will vary based on a variety of factors, including your age, the type of car you need covered, your driving record, credit score, the coverage you want, the deductible you’re willing to pay, and others. Each auto insurance company will charge different rates, so getting multiple car insurance quotes is never a bad idea.
30/60/25 Insurance Policies
If you need cheap car insurance and aren’t interested in extra protection, you’ll just need a 30/60/25 insurance policy to stay legal on the road. This means you have a plan that covers $30,000 for injury or death (per person), $60,000 total coverage for death and injury (per accident), and $25,000 for property damage (per accident).
However, if you can afford a slightly higher car insurance premium, you may opt for more protection, as the minimums may be too low in the event of a multi-car crash or if you total someone’s vehicle. Once you’ve paid your deductible and maxed out the coverage, any remaining costs will have to be paid out of pocket, which can create financial strain.
Find the Right Coverage
Talk with a friendly auto insurance agent at Matt Patterson Insurance Agency today to discuss your situation! We’d love to hear from you so we can help figure out which options are best based on your unique needs. We can also look at options for a discount, from bundling coverage for multiple vehicles or other insurance (home insurance, life insurance, etc.) if needed to get you the lowest auto insurance rates around. You can also learn about bonus services such as roadside assistance, which can help with lockouts or getting your car to a repair shop if needed.
Request a quote using the form provided here or call us at (512) 757–8700. We’d love to be the insurance provider you can count on for all your needs!