Introduction to Motor and Car Insurance

Everyone should know that availing of motor and car insurance is an important part of being a vehicle owner. It can help you mitigate the costs you may incur if you get into an auto accident. Instead of paying out-of-pocket the annual premiums, you pay to your insurance agency in El Paso, Texas will cover most of the costs.

Most state mandates for you to have a minimum amount of auto insurance. Depending on your driving record, you may need comprehensive coverage included in your insurance policy. Regardless if it’s a requirement or not, it is best that your insurance in Texas includes the following coverage:

• Property – this covers damage to your car or if your car gets stolen.
• Liability – this policy covers your legal responsibility to other people for bodily injury or damage to their property.
• Medical – costs of treating injuries, rehabilitation, and sometimes, lost wages and funeral expenses are covered in this policy.

Each policy has different pricing points and you can request insurance quotes from your insurance agency to know how much annual premium you have to pay. Depending on your need, your insurance coverage can range from six to twelve months and can be renewed once it expires.

While other types of insurance such as health or homeowners’ insurance are more important, availing of car insurance will save you a lot of money in the long run. Call American Agency Insurance to know more about auto insurance and its different coverage.