Car Insurance Humble, TX
At Lee Insurance Agency, we represent the finest car insurance companies on the market to ensure that our customers get the most out of their coverage plans.
All of the car insurance companies we partner with to offer you the best rates available are thoroughly vetted for superior customer service as well as their reputation for quick and fair claims assistance.
With our team’s extensive knowledge and experience, we are able to provide our customers with insurance options that provide maximum benefits and protection.
If you are looking for car insurance that meets your needs and exceeds your expectations, give our agency a call today at 281-812-8400.
We are happy to find you the best car insurance quote available, capable of meeting your needs and your budget.
How Does Car Insurance Work?
Car insurance, also known as (auto insurance) works as a strategic coverage plan for both your financial well-being and your vehicle in the event of an accident, theft, and other forms of damage beyond your control.
Your insurance plan will cover damages sustained up to the limits of your chosen car insurance policy. The main components of auto insurance you will need to closely consider when choosing a plan that will work best for you include:
- Policy – The contract between your insurance company and yourself.
- Coverage – The amount of protection chosen for divers, passengers, and the vehicle
- Premium – The cost of your insurance per policy period/per month
- Limits – Maximum coverage for a specific situation
- Deductible – The amount you owe when you file a claim
Through the right insurance coverage, we can help you ensure that your interests are reliably covered and secured in the event of an accident.
Car Insurance Coverage Options:
All of the Insurance carriers we represent provide a wide range of auto Insurance products at a fair price. Our prices get even better when you qualify for our available discounts.
When applying for Insurance in Texas, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want you’re deductible to be, what liability limits you want, and whether you want any additional optional coverages.
Here at Lee Insurance Agency, we can help you understand what these terms mean and what coverage options are right for you:
- Collision and comprehensive (other than collision) coverage pays for damages to your automobile
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan, you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an at-fault accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your vehicle caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually include a deductible, which can range from $100 to $1,000. If your vehicle is damaged, the Insurance company pays only for the damages in excess of the deductible you selected. The higher the deductible, the lower the premium.
- Liability Coverage
When you are involved in an at-fault accident, Liability coverage pays for the injuries caused by you to the other person along with the damages you cause to their automobile.
- Medical Payments Coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and the passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
- Personal Injury Protection
Some states require Personal Injury Protection, also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
- Uninsured/Underinsured Motorist Coverage
This coverage pays if you are injured by a person who is a completely uninsured motorist or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
- Optional Coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How Much Coverage Should I Have?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including:
- Assets you must protect (liability coverage)
- The value of your vehicle (collision and comprehensive)
- The amount of money you can afford to pay out-of-pocket (deductibles)
- Your tolerance for risk.
Our professionally trained agents can assist you in finding the right auto insurance that best fits your needs.
Get the Auto Insurance Plan You Need Today
Finding the right vehicle insurance at the best price to meet your unique needs can be challenging. After all, there is a lot to consider and many varying factors that go into customizing the best policy.
With the experts at Lee Insurance Agency, you can rest assured that you are getting exactly what you need from your coverage.
We work diligently to connect our customers with the highest quality insurance agencies available to ensure that you not only get the coverage you want but have a reliable plan you can count on at all times.
If you are searching for the best coverage in Humble, TX, give us a call today at 281-812-8400; for high-quality car insurance quotes. Become an insured driver today!