Car Insurance in Southlake, TX

Southlake, TX is a suburb of Dallas and Fort Worth with over 31,000 residents. It’s always possible to encounter busy roadways and unexpected accidents while driving through town. But with car insurance in Southlake, TX, you can recover financially after a crash and get back out on the road with confidence.

A local independent insurance agent can help you compare multiple quotes for the best car insurance in Southlake, TX.

What Does Car Insurance Cover in Southlake, TX?

A car insurance policy in Southlake, TX will have several different types of coverage. First, all car insurance policies in Texas must include a minimum amount of liability coverage as required by law.

• Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damage, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you.
• Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued.

In addition to the coverage required by law, there are several optional types of coverage that you can choose from, depending on your needs and your budget. These include:

• Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
• Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Medical payments coverage: Pays your and your passengers’ medical bills. It also pays if you’re hurt while riding in someone else’s car or while walking or biking.
• Personal injury protection (PIP) coverage: Like medical payments coverage, it pays your and your passengers' medical bills. It also pays for things like lost wages and other nonmedical costs. All auto policies in Texas include PIP coverage. You can waive this coverage in writing to your insurance company. 
• Roadside assistance coverage (or towing and labor coverage): Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed and will reimburse you for the costs of these services up to certain limits.
• Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
• Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent can help you decide which coverage offers the best protection for your needs.

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How Much Does Car Insurance Cost in Southlake, TX?

Texas is the 17th most expensive state for car insurance. You can save by shopping around for the best rate and taking advantage of any car insurance discounts you qualify for.

• National average annual car insurance cost: $1,311
• Texas annual car insurance cost: $1,449

Your car insurance rates are based on various personal risk factors, such as where you live, the type of car you drive, and how far you drive to and from work or school.

If your rates are higher than average, perhaps you put more miles on your car than the average person. Or maybe you drive a vehicle that is expensive to repair or replace. 

No matter where you live or what you drive, an independent insurance agent can work closely with you to make sure you are getting the best deal. Your agent can help you save money by helping you compare multiple quotes and exploring popular discounts like car insurance bundles.

Is Car Insurance Required in Southlake, TX?

Texas law establishes a minimum amount of auto insurance that every vehicle owner in the state must have. The following are the minimum coverage requirements for car owners in Southlake, TX: 

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Included
• Uninsured motorist coverage: Not required
• Underinsured motorist coverage: Not required
• Minimum liability limits: 30/60/25; $30,000 for injuries per person, up to a total of $60,000 per accident, and $25,000 coverage for property damage.

Car insurance protects you from financial devastation after a car accident. Auto liability insurance, which is required for all drivers in Texas, helps you pay for damage to vehicles and medical expenses for injured drivers if you cause an accident.

If you are in a serious accident, a minimum coverage policy may leave you underinsured. The best way to ensure you have the right amount of coverage is to work closely with an independent insurance agent. Independent agents will get to know you and can help you decide what's best for your family.

And your agent can help you choose which optional coverage types are important.

What Are the Best Car Insurance Companies in Southlake, TX?

Finding the best car insurance companies in Southlake, TX can be simple. A local independent insurance agent can help you get car insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in Southlake, TX?

Instead of getting an online quote, find an independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.