Personal Auto Insruance Coverage
Texas auto insurance is complex. It is important to discuss your situation with us. We will take time to explain your choices. Some insurers sell auto insurance through telemarketers, but our clients receive a much higher level of service without higher costs. Through our years of experience, we can prove time and time again that there is no substitute for having an agent to guide you.
Generally speaking, most Personal Auto policies provide the following basic coverage:
- Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident.
- Property Damage Liability - Covers accidental damage to other people's property if caused by you in an automobile related accident.
- Collision - Covers you for damage to your car in an accident, regardless of who was at fault.
- Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and perils other than collision.
- Personal Injury Protection - Covers you and your family in any car, and anyone riding in your car for medical expenses & loss of earnings resulting from an accident.
- Uninsured / Underinsured Motorist - Covers injury suffered by you, your family and anyone riding in your car against the uninsured /underinsured or hit-and-run driver.
Please call (800) 858-4331 or e-mail email@example.com to find out what coverage best fits your needs. Knorpp Insurance has access to many home and auto insurance companies, and we will work to find you the best coverage at the lowest price. Talk to us about the unique features of our auto plans.
The Knorpp Insurance Agency serves the home, auto, and business insurance needs of individuals, families, and businesses throughout the Southwest.
Money Saving Tips for Auto Insurance
- Buy a "Low Profile" Car. Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.
- Consider Insurance Cost When Making a Move. Costs tend to be lowest in rural communities and highest in cities where there is more traffic congestion.
- Inquire About Other Discounts. Some insurers offer discounts for having multiple cars and/or your home insured with them, anti-theft devices, good driving records, driver training courses, passive restraints, and low mileage.
- Ask for Higher Deductibles. Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive coverage, you can lower your costs substantially. For example, increasing your deductible from $500 to $1,000 could reduce your collision and comprehensive cost by 15% to 20%.
- Drop Collision and/or Comprehensive Coverage on Older Cars. It may not be cost-effective to have collision or comprehensive coverage on cars worth less than $3,000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of your car.