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HOUSTON-AUTO-INSURANCE.com
Information about Coverage Options
Our Houston auto insurance policies have many options for your coverage?s.
This page has information to help you select the options that are best for
you.
Liability Coverage ? The state of Texas requires drivers to have at
least 20/40/15 limits. This provides $20,000 maximum for injury to one person,
$40,000 maximum for more than one injured person, and $15,000 maximum for
property damage to another person. You have the option to increase these
limits to 500/500/100. You can also select coverage that is between the
minimum and maximum amount. We suggest taking the maximum because the lower
amount is often not enough to cover injuries or damage. It is especially
important to get a high level of liability coverage if you have a large amount
of assets. Of course higher coverage amounts have a higher cost. If you wish
we can quote you on the cost of coverage at different amounts to help you
decide.
Uninsured Motorist ? This is an optional coverage that is good to have.
This gives you protection if you if injured or your property is damaged by a
driver that has no insurance (or not enough insurance to cover your loss). If
you want UM coverage it is available in increments from $20,000 to $500,000.
Medical / Personal Injury ? These coverage?s pay for injuries you or a
passenger suffer in an accident. Personal injury insurance additionally pays
for wages lost due to accident injuries. This coverage is optional and
available in increments from $2,500 to $10,000. You may want to consider if
you already have medical coverage? Also consider if you have passengers very
often.
Comprehensive and Collision Deductibles ? Optional coverage that is the
amount you will have to pay before insurance kicks in. The choices are
generally from $50 to $1,250. The lower the deductible the higher your
insurance payment will be. Popular deductibles are $500 and $750 because that
is mid-level in the trade off of cost vs. protection. We can quote you for
different levels to help you decide. Consider what the higher deductible will
save you and be sure that you can afford the deductible you choose if you have
an accident.
Towing ? This is also known as road service. It is inexpensive and many
people choose this option. Please note that most new vehicles have free towing
for one to three years, don?t buy it if you already get it free!
Rental Reimbursement ? Pays for rental of a replacement vehicle if your
car has a covered loss. This is also a popular coverage and we suggest it
unless you can do without transportation for a few weeks if necessary.
OTHER - Other coverage?s may be desirable in certain cases. Please ask
your agent about other coverage?s that are optional.
We want to be your agency for auto insurance in Houston! We feature Farmers
auto insurance and other trusted brands. Please call or email one of our
agents for more information or any questions. Please note that your actual
coverage and terms are what is stated in your policy documents. This page is
for general information and is not a declaration of coverage.
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Houston-Auto-Insurance.com
Low Rates for Auto Insurance in Houston
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"Drive Away" With Huge Texas Auto Insurance Savings Today!
Every Client Receives Our Complete Satisfaction Guarantee!
Look At These REAL LIFE Rate Examples of Recent Houston, TX Auto Insurance Accounts We Have Placed:
Click Here for Coverage Options Description
30 Year Old Driver in Houston:
30 Year Old Male, with a 2003 Honda Civic LX; Basic Liability coverage for only $30.50 a MONTH!
35 Year Old Driver in Houston, Texas:
35 year Old Male, with Full Coverage ($500 deductible comp and collision) for 2005 Saturn Ion; only $36.33 a MONTH!
Couple in Houston, TX. Male 30 years old and Female 25 years old:
Male 30 years old and Female 25 years old on a 2006 Chevy Tahoe and a 2004 Ford F150 4WD; Full coverage ($500 deductible comp and collision) for only $69.26 a MONTH!
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More About Our Agency:
Click to Learn More
E-Mail:
glamb@farmersagent.com
Toll Free Phone:
866-426-5800
Local Phone:
281-537-2700
Address:
Lamb Insurance Agency (Farmers Insurance)
28 FM 1960 West
Houston, TX 77090
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