When you drive on some of the most congested roads in Texas, you need auto insurance in The Woodlands that provides complete coverage. HUB International brokers can help residents of The Woodlands and the larger Houston-Sugar Land metro area get the protection they need to rest assured that they are protected in the event of a collision. Get more peace of mind when driving on Interstate 45, Rayford Road, FM 1488 or any other high-traffic routes around The Woodlands.
Why You Need Auto Coverage
Texas law requires all drivers in the state of Texas to have at least 30/60/25 car insurance coverage. This means a minimum of $30,000 of coverage for injuries per person up to a total of $60,000 per accident and $25,000 of coverage for property damage. When you get auto insurance in The Woodlands, there are several factors that you should consider to get the right policy:
Your vehicle type: Late-model, upgraded and classic vehicles call for different coverage. You may prefer replacement value or agreed value coverage based on the make and model you drive.
Your driving habits: Drivers who frequent busy routes may want to obtain additional injury or property damage coverage beyond the 30/60/25 minimum mandated by state law.
Additional coverage needs: Your insurance can reduce out-of-pocket costs for emergency repairs, features or upgrades. A HUB broker can identify whether a rider on an auto policy or an additional policy is needed.
Custom Coverage Options
Auto policyholders can customize coverage. From replacement cost or agreed value policies to options for additional liability coverage, a HUB International broker can help you personalize auto insurance in The Woodlands. Here are a few options to discuss with a HUB broker:
Replacement cost: Policies with replacement cost coverage cover the cost of replacing a totaled vehicle. This coverage is ideal for motorists who drive late-model vehicles and factory builds.
Agreed value: Agreed value coverage provides additional coverage for cars that have been restored or upgraded. This option enables policyholders to insure a vehicle at a specified value to account for improvements.
Extended liability: A personal umbrella policy can provide additional liability coverage on top of auto or home insurance policies. Additional liability insurance provides broader personal coverage and can raise the liability limits of other policies.
Electronic equipment: A vehicle with upgraded electronic equipment can benefit from additional coverage for these devices. Most standard auto policy and replacement cost policies do not include aftermarket electronics.
Full glass: A full glass policy makes it more affordable to replace a broken or damaged windshield or windows on a vehicle. These policies may not require policyholders to pay a deductible when replacing glass.
Towing and labor: You also have the option to add coverage for emergency expenses associated with towing and other roadside assistance to an auto policy. Ask a HUB broker about the best options for offsetting the costs of jumps, tows, and tire changes.
The right policy for the way you drive provides the protection you need at a price you can afford. Check the deductible and limits of your policy to ensure that you have the level of protection you need to drive in the Houston metro area.
Find the Best Car Insurance
Maintaining auto insurance in The Woodlands meets state legal requirements and can lighten your financial burden in the event of an accident. Get a quote today!