If you need car insurance in New Braunfels, Texas, Matt Patterson Insurance Agency has you covered. We’ve got the policy you need at reasonable prices. No matter if you’re looking for complete coverage or simply wanting enough coverage to stay compliant when driving, we’ll set you up with an affordable monthly plan that fits your budget and provides you protection you can depend on. We offer competitive car insurance policy prices that make it affordable to remain legal.
Car Insurance in New Braunfels TX
Liability Coverage
Listed below you’ll find an overview of the most common forms of car insurance policy protection that residents count on to protect themselves when driving. Liability Insurance helps cover damages you might cause on the road in the event of a vehicle incident. It’s required in Texas, and consists of two key components:
Bodily Injury Liability Coverage
In Texas, by law you need insurance coverage that covers bodily harm in case of a crash. you must have at the very least $30,000 of protection per person for these types of injuries, up to an overall of $60,000 per accident. While these limits will protect you for many crashes where physical injury occurs, it may be worth taking out a little bit more coverage if you can work it into your finances.
Property Damage Liability Coverage
You’re required to have protection that pays for replacement or repair of property if you get in a vehicle collision that causes property damage if you’re found to be responsible. This is required in Texas, so make certain you have it on your policy. The minimum required insurance coverage is $25,000, though it’s a great idea to think about increased limits in case you inadvertently damages expensive property.
Collision Coverage
As the name indicates, a collision insurance policy covers your own vehicle in the event that you end up in an accident. Whether you’re in an accident with another car or you wreck into an object, such as a tree, your car collision insurance helps cover the costs required to repair your vehicle. It is essential to recognize that this type of car insurance policy doesn’t safeguard against hitting wild animals.
Let’s Take a Look at Your Car Insurance Options
Uninsured Motorist Coverage
While every driver on the road is obligated to have vehicle insurance in Texas, some might not be adhering to the law. Uninsured motorist coverage can save the day if you’re in a collision with a driver that doesn’t have an insurance protecting their vehicle and themselves. If the other motorist is at fault but doesn’t have insurance, or if they do not have sufficient coverage to fix the damages, or if they hit and run, you’re covered.
Comprehensive Coverage
A comprehensive insurance policy is fantastic to have, as it can guard you against a lot of surprise issues and keep you from going into debt in case your car is damaged during mishaps that do not necessarily involve a wreck. From fire to theft, to incidents including 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 want an unique kind of policy to keep them guarded. A classic insurance coverage is similar to conventional protection, but it has some components that help it fit more niche needs. This kind of insurance tends to set you back a little bit more than a regular average car insurance policy premium, however that’s not necessarily the case.
Rental Reimbursement Insurance
You might find it tough to get around without breaking the bank if find yourself without a vehicle after a mishap. Ride-share services are fantastic, but they may be pricey if you rely on them daily while your car is in the repair shop. Paying for a rental can be expensive, as well, so rental compensation helps you, as a renter, cover the expenses until your vehicle is repaired.
Personal Injury Protection Insurance
If you require medical assistance after a wreck, you may end up with some unexpected expenses. Worse, if you’re not able to work due to your injuries, it can be tough to come up with the money you need to stay above water until you can you get back on your feet. PIP insurance coverage assists with covering medical costs so you can have assurance while you get better.
Ready to Get the Coverage You Need?
How Much Does Car Insurance in New Braunfels TX Cost?
Your insurance coverage price will vary based upon an assortment of details, such as your age, the kind of car you need covered, your driving history, credit rating, the coverage you you’re interested in, the deductible you’re willing to pay, and others. Each car insurance company will offer different rates, so acquiring multiple auto insurance coverage quotes is not a bad idea.
30/60/25 Insurance Policies
You’ll just need a 30/60/25 insurance plan to stay legal when driving if you need cheap auto insurance and aren’t interested in added protection. Wit this, you have a plan that covers $30,000 for injury or death (per person), $60,000 overall coverage for fatality and injury (per accident), and $25,000 for property damages (per incident).
Additional Protection
On the other hand, if you can manage marginally higher car insurance premiums, you might choose even more coverage, as the minimums may be too low in case of a multi-car crash or if you total someone’s car. When you’ve covered your deductible and exceeded the insurance coverage, any remaining costs will have to be paid out of pocket, which may result in financial issues.
Get the Right Coverage
Reach out to a friendly car insurance representative at Matt Patterson Insurance Agency to discuss your goals! We ‘d love to hear from you so we can help identify which choices are ideal based on your unique needs. We can also assess opportunities for a discounted rate, from combining protection for several vehicles or other insurance (home insurance coverage, life insurance, and so on) if needed to get you the most affordable auto insurance coverage prices around. You can additionally learn about bonus perks such as roadside assistance, which can assist with lockouts or taking your car to a repair shop when required.
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!
Frequently Asked Questions About Car Insurance in New Braunfels, TX
As a Farmers Insurance agent, Matt Patterson brings you the best of both worlds: personalized, local service paired with the strength and reliability of one of America’s largest insurers. Farmers offers a wide range of auto coverage options and discounts, and having a local agent means you get hands-on help with policy selection, claims support, and annual reviews to make sure your coverage keeps pace with your needs.
Texas law mandates that all drivers carry minimum liability coverage to pay for damages or injuries caused to others in an accident. Currently, the state requires coverage for bodily injury per person, bodily injury per accident, and property damage. While these minimums keep you legal, they may not be sufficient to protect your assets during a major collision on busy roadways like I-35 or Loop 337, which is why we often recommend higher limits for better financial security.
Yes. We are dedicated to providing comprehensive car insurance in New Braunfels, TX, and the surrounding communities. Matt Patterson Insurance Agency serves drivers throughout Comal and Guadalupe Counties, extending our expertise to residents in nearby areas such as Gruene, Canyon Lake, and Marion.
There are several strategies to reduce your insurance costs without sacrificing necessary protection. Common methods include maintaining a clean driving record, raising your deductibles, and taking advantage of available discounts. Matt Patterson Insurance Agency frequently helps clients secure lower rates by bundling their auto insurance with homeowners or renters policies.
Yes, we strongly recommend Uninsured/Underinsured Motorist (UM/UIM) coverage. This protection is crucial in Texas, as it covers your medical expenses and property damage if you are hit by a driver who does not have insurance or does not have enough coverage to pay for your losses. It provides peace of mind knowing you are protected regardless of the other driver’s insurance status.
Insurance carriers utilize a variety of factors to determine your specific premium. These typically include your age, driving history, the type of vehicle you drive, your credit score, and your garaging address. Because we understand the local market, we can help explain how these factors impact your rate and help you find the most competitive options available.
