A deductible is the amount that the insured must pay before the insurance coverage kicks in.

For example, let’s say you incurred $1,000 of damages to your vehicle and your deductible is $250. The insurance company would pay you $750, and you would pay $250 out of pocket.

The deductible amount is pre-set based on your policy, and you can choose the amount. A lower deductible will mean a higher premium and vice versa.

Yes. The state of Texas, like most other states, require all drivers to carry at least a minimum amount of car insurance. Unfortunately, this legal requirement can’t be enforced 100%, so there are uninsured motorists on the road.

You can purchase additional coverage to protect you in case of an accident with an uninsured or underinsured motorist.

Every situation is different, and our highly trained insurance agents can help you select the right type of coverage for you. We often recommend comprehensive coverage, because it provides the greatest peace of mind. That said, the age and type of your vehicle along with financial considerations may necessitate taking only liability coverage.

When you apply for car insurance, many factors are taken into consideration. The insurance provider will assess your relative driving risk based on historical factors like your driving record. The age and relative safety of your vehicle will factor in, as will the cost of your car. Texan Insurance provides a variety of auto insurance discounts including:

• Multi-policy discount
• Multi-car
• Good student
• Homeowner
• Accident free
• Low mileage
• Defensive driver course
• Paid in full discount
• Paperless discount
• Auto pay
• Continuous coverage

Working closely with a Texan Insurance agent is the absolute best way to ensure that you’re getting the best policy for your insurance needs. Because we’re an independent agent, we can shop your coverage across 40+ companies, comparing rates and coverage options. If you’re ever unhappy with your provider, we can look at other options to ensure that you get the coverage and value you need.

This determination depends on your policy. Some policies will cover it, some won’t, and in some cases it will impact your rate. Certain providers will require a separate policy for ridesharing. If you are a rideshare driver, it’s important to work with an agent and ensure you have the appropriate coverages.

In many cases yes, but not always. Depending on your overall driving history and the specifics of the accident (whether it was your fault or not for example), it is possible that your rate will not go up. Some providers offer “accident forgiveness” features which also help.

A total loss is determined when the cost to repair the vehicle exceeds its actual cash value. The insurance adjuster will assess your vehicle after an accident and determine if it can be repaired cost effectively. If not, it’s classified as a total loss, and in that case you will be paid what the insurance company believes the car to be worth. This is an area where it’s very important to know your policy details, as they will dictate potential reimbursement amounts.

Rental car coverage is optional and is designed to offset the cost of a replacement vehicle while your vehicle is being repaired as the result of a claim. If you elect rental car coverage, it’s important to know the limit of the coverage, which is usually a daily and total maximum. For example, common limits are $25/day and $300 total per incident.

At Texan Insurance, we pride ourselves on offering payment flexibility to our customers. We can arrange payments annually, twice a year, quarterly, or even monthly. In some cases, you can earn a discount by paying for the year upfront.

The state of Texas requires all drivers to have basic auto liability insurance. The minimum required coverages are:

1. $30,000 for each injured person
2. $60,000 for injuries per incident
3. $25,000 for property damage

State minimums, however, aren’t always enough to give you peace of mind. For example, the $25,000 minimum property damage coverage is unlikely to cover an accident with a luxury vehicle like a Mercedes or a BMW. The damages could easily exceed $25,000 and you could be sued for the excess, putting your personal assets at risk.