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Auto Insurance Information
Auto Insurance in Fort Worth, Haltom City, and Saginaw, TX
Your Local Texas Insurance Provider
We offer quality affordable car insurance in Fort Worth and across North Texas. Our insurance companies have competitve rates and discounts available to save you money. Please also see our article on auto insurance discounts. Discounts on Auto Insurance - Texas
You probably don’t have to drive far from home to see how crowded and dangerous North Texas roads can be. Not only is the greater Dallas-Fort Worth region the most populated metro area in the state, but it’s also home to some of the most dangerous roadways in the state, too. Approximately 15% of all car wrecks in Texas in 2019 occurred in Dallas and Tarrant counties alone.
To safeguard yourself behind the wheel, you’ll need car insurance to protect you. Northside Insurance Agency is the place to come for the best policy solutions in the region.
As an independent agency, we are committed to helping our neighbors find the auto insurance benefits that are optimized for them. You can trust us to keep your budget and coverage needs in mind when helping you choose a policy that provides you with top-notch protection.
How does auto insurance work?
Life’s accidents can be extremely expensive. That’s why you will probably have to invest in quite a few insurance plans over the years. Car insurance needs to be one of them.
When you buy car insurance, you take your future security into your own hands. You never know when you might have a car accident, but you can safely assume that they will probably be expensive. By having car insurance in case of any eventuality, you’ll be able to receive help paying for such unexpected, but costly losses.
How much auto insurance do I need in Texas?
Every Texas driver needs car insurance. That’s not only because of the critical protection it can provide, but also because it is the law that you must carry coverage.
Texas uses an at-fault insurance system, which means that when a driver causes a wreck, their own auto policy pays for their vehicle repairs and the damage done to others. In other words, if you hit another car because you ran a stoplight, then the accident is likely your fault and you must pay for your own losses and compensate the other driver for their injuries and property damage.
To ensure that you can compensate these third parties, Texas law requires registered drivers to carry liability insurance. This coverage pays for the losses of third parties off of the at-fault driver’s insurance coverage. The minimum required limits are:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
Remember, these are only the minimum limits you have to carry to legally drive. Our agents are committed to working with you to increase your coverage to more comprehensive and effective levels. Plus, we’ll help you expand your policy to include a host of other benefits like:
- Collision insurance to pay for damage to your car after a wreck.
- Comprehensive insurance to pay for damage to your car from a non-collision hazard like a fire, theft, vandalism or hail.
- Uninsured motorist coverage that pays for your own losses when you become the victim of a hit-and-run or if the at-fault driver has no liability insurance to repay you.
- Personal injury protection (PIP) coverage that pays for medical bills and other expenses like lost income if you or your passengers get hurt in a wreck.
Can you help me choose the right policy?
All vehicles are different and so are all auto policies. We understand that to get the right policy, you’ll have to dig into the details. We’ll help you choose appropriate coverage limits, deductibles and endorsements to mold your policy into the optimized protection you need.
Don’t forget to ask us about perks like:
- Replacement Cost Vehicle Coverage
If you finance your car, your lender might require you to buy certain coverage. Contact them to learn what protection you need, and our agents can help you get it.
What will my policy cost?
Auto policies are priced based on the policyholder’s risk rating. This risk rating is a measurement of how likely the client is to file a claim on their policy. The more likely they are to file a claim, the riskier they are to insurer, and the more they might pay for coverage.
Various factors like your vehicle value, chosen coverage limits, location and your driving record could impact your premium. However, our expert agents can comprehensively search our network of policies to find the one that offers you the most effective coverage that remains affordable. We’ll help you maximize your discounts and savings ability to always keep your plan in line with your budget.
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