Over the past two decades, Pearland, Texas, has been one of the fastest-growing cities in the Greater Houston area as well as the Lone Star State overall. Home to over 130,000 residents, this south-southeastern city has far outgrown its humble roots as a prairie with fruit trees to become one of the principal cities in the region. Close to the Texas Medical Center, NASA, and many oil and gas plants, Pearland continues to attract new residents, and where there are new residents, there are new drivers. In addition to a growing population, major construction upgrades to State Highway 288 and Beltway 8 make auto insurance in Pearland TX important for any car-owner.
They say that football is king in Texas, but your average commute in Pearland suggests that reliable transportation also shares that crown. Whether you’re commuting for work or leisure, it’s important to have vehicle coverage that puts you in the driver’s seat. A major claim due to collision or theft of your automobile can easily take the wind out of your sails, or the air out of your tires, as it were. Finding the right coverage for auto insurance in Pearland TX is critical as you and others in your household make their way around town.
Understanding the Need for Auto Insurance in Pearland TX
Auto insurance coverage helps protect your finances if you’re in an accident and need to repair or replace your vehicle or pay for medical bills for yourself or others. Most people don’t have several hundred thousands of dollars to carry with them as they navigate the highways and byways of Pearland. Even if you did have that kind of money, it’s neither practical nor wise to rely on cash.
As well, in the state of Texas, you are required to have basic liability insurance. Driving without an auto policy can result in the suspension of driving privileges, fines, and even impoundment of your vehicle. Pearland is very much a driver’s city, so it’s important to have this protection.
Exploring the Details of an Auto Policy
When it comes to auto policies, different drivers have specific needs, but there are some basics that should be included in most policies for auto insurance in Pearland TX:
Bodily injury liability: This covers injuries that you or anyone else listed on your policy causes to others while driving. State law requires at least $30,000 of coverage per person for injuries, up to $60,000 per accident, and $25,000 per property damage. This minimum requirement is sometimes referred to as 30/60/25 coverage.
Personal injury protection: Also known as medical bills coverage, this feature pays for the treatment of injuries but can also be used for other costs regarding lost wages and replacement of services performed by the injured as well as funeral costs.
Property damage: This covers the cost for damages to another vehicle, as well as buildings, fences, and other objects hit by your car.
Collision: When your car is damaged or destroyed in an accident, this feature covers repair and replacement costs.
Comprehensive: This protection covers damages to your vehicle due to theft, vandalism, and other non-collision events.
Underinsured and uninsured coverage: Any time you’re out and about, there’s a chance you may be in an accident with someone who doesn’t have enough coverage or none at all. This feature keeps you covered.
Other benefits to consider for auto insurance in Pearland TX include reimbursement for the cost to rent a vehicle and coverage for towing and roadside protections.
Take the Next Step
Having the right level of car insurance is part of being a responsible driver and vehicle operator. Get a customized quote from HUB today.