As discussed in our previous blog post, Houston drivers need to be fully protected while on the road, especially since nearly 20% of all drivers in the Houston area are either underinsured or completely uninsured. This makes driving particularly risky since car accidents can occur at any time, and can leave drivers physically and financially devastated. Having thorough and reliable auto insurance coverage is essential to ensure that you, your family and your vehicles are well protected from danger. It's important to understand the different kinds of auto insurance coverage available to help you get the insurance solutions you need when issues arise.
Two other auto insurance options that offer significant protection to Houston area drivers are Collision and Comprehensive Auto Coverage. Collision Insurance covers interior and exterior damage to your own vehicle in the event of an accident. Unlike Liability Insurance, Collision Insurance helps cover repair costs to your vehicle after an accident even if you are at fault. Having a combination auto policy with both state-required Liability Insurance and Collision Insurance significantly reduces the risk of having to pay high out-of-pocket repair costs for vehicle damage after an accident.
Another important auto insurance policy to consider is Comprehensive Auto Insurance. This all-encompassing insurance solution offers protection for you and your vehicle from all other kinds of unexpected events, such as auto theft, hail damage, hitting an animal, tree debris or vandalism. Unfortunately, auto theft is common in major cities like Houston, and the shock of having your car or truck stolen pales in comparison to the realization that Liability Coverage alone will not offer any assistance towards getting a replacement vehicle. Comprehensive Auto Insurance provides immediate assistance to car owners facing the task of purchasing a replacement car. Also, many drivers who forgo Comprehensive Auto Insurance often find themselves paying hundred or thousands of dollars in out-of-pocket costs to repair vehicle damage such as engine cracks, body repair and paint jobs. Unexpected events such as fires, explosions or other major events can also leave your car with significant damage, but Comprehensive Insurance offers protection to get your vehicle repaired with minimal impact on your wallet.
In addition to protecting yourself, your family and your vehicle with a combination of Comprehensive and Collision Insurance, you can also gain additional protection by adding important insurance endorsements such as Towing and Labor and Rental Car Reimbursement. These simple additions can make a huge difference in reducing out-of-pocket costs for drivers that need towing when a vehicle is not drivable after an accident or other vehicle breakdown, or when a rental car is needed while the owner's vehicle is being repaired.
When unexpected events occur such as auto theft, car accidents, hail storms, falling tree debris or animals in your vehicle's path, make sure you have the full auto coverage you need to fully protect you, your vehicle and your loved ones. Thankfully, Aegis can help you get a thorough, reliable and affordable insurance solution to meet all your needs. The friendly and knowledgeable insurance agents of Aegis are ready to help answer your insurance questions and ensure that you are fully protected in any kind of vehicle situation. Aegis also offers drivers substantial savings when you bundle your auto insurance with other policies such as homeowners insurance, renters insurance, life insurance or business insurance. For more information or to get a free quote, contact Aegis directly at 713-850-7622 or by email at info@insurtexas.com.