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Auto Insurance in Liberty, TX

In Texas, where traffic conditions can be unpredictable, having reliable auto insurance is essential. Although we can’t foresee every danger on and off the road, we can prepare for them. At Poole Insurance Agency, we offer diverse auto insurance solutions tailored to your unique needs.

What Is Auto Insurance? white vehicle on road near electric tower during daytime

Auto insurance is a contract between you and an insurance company. To maintain coverage, you pay a premium, typically on a monthly, biannual or annual basis. In exchange, the insurer agrees to cover specified losses outlined in your policy. Policies are tailored to your needs and budget, allowing customization of coverage amounts.

Common auto insurance coverage options include the following:

  • Liability insurance—This coverage can help pay for third-party injury and property damage claims up to the policy’s limits.
  • Collision coverage—If you collide with another vehicle or object, collision coverage can assist in repairing or replacing your car, minus the deductible.
  • Comprehensive coverage—This may cover noncollision damage, such as accidents involving animals, fire, weather, vandalism and theft. It may also help repair or replace your car, minus the deductible.
  • Uninsured/underinsured motorist coverage—If you’re in a hit-and-run accident or an accident where other driver lacks sufficient liability insurance, this coverage can help pay for your injuries and vehicle damage.
  • Guaranteed asset protection (GAP) insurance—In case your vehicle is a total loss due to a covered incident, GAP insurance may bridge the financial gap between your loan or lease payoff and the insurer’s settlement.

How Much Is Auto Insurance?

Insurance premiums are determined by various factors, which may include your driving record, claims history, location, gender, age, marital status, vehicle make and model, and credit score. Luxury and sports cars typically incur higher rates due to the potential for expensive repairs, while vehicles with advanced safety features may qualify for lower rates.

While minimum coverage is cheaper, more robust policies can offer greater protection, albeit at a higher cost. Past claims and accidents can result in increased rates. Financed cars often require more extensive coverage beyond state-mandated liability coverage limits.

Learn More

The professionals at Poole Insurance Agency can help you understand your policy options and address any questions or concerns you may have. Contact us today to request a free quote.

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