Driving in Texas requires having the right car insurance coverage. One of the most popular options is full coverage car insurance. But what exactly does it cover and how does it differ from other policies? In this article, we’ll explore everything you need to know about full coverage car insurance in Texas.
What is Full Coverage Car Insurance?
Full coverage car insurance is an insurance policy that includes not only liability insurance but also comprehensive and collision coverage. This means that if you’re in an accident, your insurance company will pay for damages to your car as well as any damages you cause to another person’s car.
But it’s important to understand that full coverage car insurance does not mean your policy will cover everything. There may be certain exclusions or limits to your coverage.
What Does Full Coverage Car Insurance Cover in Texas?
Full coverage car insurance in Texas typically includes:
Coverage Type |
What it Covers |
Liability Insurance |
Pays for damages you cause to other people’s cars or property |
Collision Coverage |
Pays for damages to your car in case of a collision |
Comprehensive Coverage |
Pays for damages to your car caused by non-collision events like theft, fire, or natural disasters |
It’s important to note that full coverage car insurance does not cover personal injuries or medical expenses. To cover these expenses, you would need to purchase additional coverage like Personal Injury Protection (PIP) or Medical Payments coverage.
How Much Does Full Coverage Car Insurance Cost in Texas?
The cost of full coverage car insurance in Texas varies depending on a number of factors including:
- Your age and driving experience
- Your location
- Your driving record
- The make and model of your car
- Your credit score
On average, full coverage car insurance in Texas costs around $1,500 to $2,000 per year. However, your individual costs may be higher or lower depending on your specific circumstances.
How to Save Money on Full Coverage Car Insurance in Texas
Here are a few tips on how to save money on your full coverage car insurance policy:
- Bundle your auto and home insurance policies with the same provider
- Choose a higher deductible
- Drive a car with safety features
- Maintain a good credit score
- Avoid adding teenage drivers to your policy
Is Full Coverage Car Insurance Required in Texas?
While full coverage car insurance is not legally required in Texas, drivers are required to have liability insurance. Liability insurance covers damages to other people’s property or injuries they sustain in an accident where you are at fault.
However, it’s recommended that you have full coverage car insurance to protect yourself from financial loss in case of an accident.
Frequently Asked Questions About Full Coverage Car Insurance in Texas
What is the difference between liability insurance and full coverage car insurance?
Liability insurance only covers damages and injuries you cause to other people and their property in an accident. Full coverage car insurance also includes collision and comprehensive coverage, which pays for damages to your car regardless of who is at fault.
Do I need full coverage car insurance if my car is paid off?
It’s not legally required, but having full coverage car insurance can protect you from financial loss in case of an accident.
Can I add additional coverage to my full coverage car insurance policy in Texas?
Yes, there are several types of optional coverage you can add to your full coverage car insurance policy in Texas, including personal injury protection (PIP), uninsured/underinsured motorist coverage, and roadside assistance.
Can I lower my full coverage car insurance costs by driving less?
Yes, some insurance companies offer usage-based insurance programs that allow you to pay based on how much you drive.
Does full coverage car insurance cover rental cars?
It depends on your policy. Some full coverage car insurance policies include rental car coverage, while others do not. Be sure to check with your insurance company to see if rental car coverage is included in your policy.
Conclusion
Full coverage car insurance in Texas provides a comprehensive level of protection for both you and your vehicle. While it may cost more than other types of car insurance, it can provide peace of mind knowing that you’re covered in case of an accident. By understanding what full coverage car insurance includes, you can make an informed decision about whether it’s the right choice for you.
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