If you require car insurance in Kyle, Texas, Matt Patterson Insurance Agency is here to help. We have the protection you need at reasonable prices. Whether you’re searching for full coverage or simply wanting sufficient coverage to stay legal when driving, we’ll ensure you get a reasonably priced monthly premium that fits your budget and delivers you coverage you can count on. We provide fair car insurance policy rates that make it affordable to stay legal.
Car Insurance in Kyle TX
Liability Coverage
On this page you’ll find an overview of the popular kinds of vehicle insurance protection that Texans depend on to keep themselves protected on the road. A Liability Insurance policy helps cover damages you might cause when driving in the event of a vehicle collision. It’s required in the state of Texas, and features two core elements:
Bodily Injury Liability Coverage
In Texas, you legally need insurance coverage that covers bodily injury in case of an accident. you must have at the very least $30,000 of insurance coverage per person for these sorts of injuries, up to a total amount of $60,000 per incident. While these limits will cover you for many accidents where bodily harm happens, it may be worth obtaining a bit more coverage if it’s within your budget plan.
Property Damage Liability Coverage
If you get in a vehicle collision that results in property damage and you’re found to be liable, you need insurance coverage that takes care of repair or replacement of the property. This is mandated in Texas, so make sure you have it on your policy. The minimum required insurance coverage is $25,000, though it’s a good idea to look at greater limits in case you unintentionally damage expensive property.
Collision Coverage
As the name indicates, a collision insurance policy covers your own car in the event that you wind up in a crash. Whether you’re in an accident with another motor vehicle or you wreck into an object, like a tree, your auto collision insurance policy helps cover the expenses needed to repair your car or truck. It is necessary to understand that this kind of auto insurance coverage does not guard against hitting wildlife.
Let’s Take a Look at Your Auto Insurance Options
Uninsured Motorist Coverage
While each driver in Texas is obligated to have vehicle insurance in Texas, some may not be following the law. If you’re in an accident with a driver that doesn’t have an insurance policy protecting their automobile and themselves, uninsured motorist protection can save the day. If the other driver is at fault but doesn’t have insurance, or if they do not have sufficient coverage to cover the damage, or if they hit and run, you’re protected.
Comprehensive Coverage
Comprehensive insurance is fantastic to carry, as it can shield you against a many unexpected problems and keep you out of debt in the event that your vehicle is damaged during mishaps that do not always involve a collision. From fire to burglary, to wrecks involving wildlife such as deer, a comprehensive insurance plan can help keep you on the road.
Specialized Coverage
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 vintage or collectible vehicles, you’ll need a special type of insurance coverage to keep them safeguarded. A classic insurance policy resembles typical insurance coverage, yet it has some features that make it fit more niche requirements. This sort of insurance coverage has a tendency to cost a bit more than a regular average vehicle insurance premium, but that’s not necessarily the case.
Rental Reimbursement Insurance
You may find it difficult to get around without spending a lot of money if you’re stuck without a car after a collision. Ride-share services are wonderful, however they can be costly if you rely upon them daily while your vehicle remains in the repair shop. Paying for a lease can be pricey, as well, so rental reimbursement helps you, as a renter, cover the charges until your car is repaired.
Personal Injury Protection Insurance
You’ll likely wind up with some unexpected expenses if you require medical care after an accident. Worse, if you’re incapable of working due to your injuries, it can be difficult to secure the funds you need to stay above water while you get back on your feet. PIP insurance assists with covering healthcare expenses so you can breathe easy while you heal.
Ready for the Coverage You Need?
How Much Does Car Insurance in Kyle TX Cost?
Your insurance coverage rate will vary based on a variety of factors, including your age, the type of vehicle you need covered, your driving record, credit score, the coverage you you want, the deductible you’re willing to pay, and more. Every car insurance company will offer different rates, so acquiring multiple auto insurance policy quotes can be worthwhile.
30/60/25 Insurance Policies
You’ll just need a 30/60/25 insurance policy to remain compliant on the road if you’re interested in low-priced car insurance and aren’t interested in extra protection. Wit this, you have a plan that covers $30,000 for injury or death (per person), $60,000 overall protection for death and injury (per accident), and $25,000 for property damage (per crash).
Additional Protection
That being said, if you can manage a marginally higher vehicle insurance coverage premium, you may opt for even more protection, as the required minimums may be too low in the event of a multi-car wreck or if you total somebody’s car. Once you’ve paid your deductible and maxed out the coverage, any excess expenses will have to be paid out of pocket, which may create financial strain.
Find the Ideal Coverage
Reach out to a friendly car insurance agent at Matt Patterson Insurance Agency today to discuss your situation! We ‘d be happy to hear from you so we can help find out which choices are perfect for you based on your unique requirements. We can also look into possibilities for a discounted rate, such as combining coverage for different vehicles or other insurance (home insurance coverage, life insurance, and so on) if needed to provide you with the lowest car insurance coverage prices possible. You can additionally learn more about bonus perks such as roadside assistance, which can help with getting your car to a repair shop or lockouts when 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!