Auto Insurance
You Deserve Quality Auto Coverage and Good Service
When shopping for the best car insurance in Texas, price should not be your only consideration. Getting “cheap”, or “state minimum” auto coverage doesn’t properly cover you, your vehicle, or other victims who are involved in an accident.
You should work with a professional who will explain the complex parts of your policy. Plus, you want an agent with a strong record of customer service and someone who will be your advocate in the claims process. Oak Haven Insurance is that someone.
You deserve excellent auto insurance coverage and outstanding service. By having the right level of coverage, you’ll get financial security and peace of mind — so you can live life on YOUR terms.
What Are the Minimum Insurance Requirements for Texas?
Most car insurance policies include three major parts: liability insurance for bodily injury, liability insurance for property damage, and uninsured/under-insured motorists coverage.
When you buy car insurance in Texas, you’ll need the required state mimimum amount of $25,000/$50,000/$25,000. So if an accident occurs, you’ll get $25,000 to cover bodily injury to one person per accident, $50,000 to cover bodily injury to two or more people per accident, and $25,000 to cover property damage per accident.
Optional Coverages in Texas
Consider adding these coverages to your policy to protect you from the uncertainties of the road:
- Comprehensive
- Collision
- Uninsured/Underinsured Motorist
- Medical Benefits
- Personal Injury Protection (PIP)
Get the right coverage at the right price.
Factors That Affect Your Car Insurance Rate
Some variables can have a big impact on your auto insurance costs, including:
Your vehicle: What type of car do you own? What are the safety features, year and make, vehicle age, ownership, and cost to repair the vehicle?
Where you live: Rates vary by city, state, and/or zip code. Every state has their own regulations and coverage requirements.
Your demographics: Age, gender, credit score, marital status, and occupation can also affect your rate.
Your driving history: Includes your record, how much you drive, and years of driving experience.
These are the most common rating factors that insurance companies use to determine a “low” or “high risk” driver.
Factors That Can Increase Your Rate
When you find the right coverage, it’s worth noting the variables that can increase your rate:
Traffic violations: Speeding tickets, DUIs, and careless driving can obviously increase your rate.
At-fault accidents: If these result in large insurance claims, they may impact your premium.
Adding a driver to your policy: If somebody else drives your car, add them to your policy. That person’s record and history may cause your rate to go up.
A lapse in insurance: You have a registered car but no car insurance.
Why Choose Oak Haven Insurance?
As an independent agency, we represent multiple car insurance companies, allowing us to compare coverages and find you the perfect blend of products, price, and service to meet your needs.
In addition, many Texas residents aren’t sure what auto insurance coverages they need and what their policy actually covers. Not to mention there can be a lot of speed bumps and unclear terminology — which is why it helps to have an experienced agent who works for YOU. Oak Haven Insurance Agency will take the time to get to know you, answer any questions, and find the RIGHT coverage for you, your vehicle, and your wallet. With us, there are no surprises. You know exactly what you’re buying.
Contact Us for All Your Insurance Needs!
Oak Haven Insurance Agency is a family-owned business based in Georgetown, Texas. We can take care of all your insurance needs, from property and casualty to life and healthcare coverage. Contact us today to get started!
