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Auto Insurance Information
Amco Auto Insurance is greater Houston’s trusted source for personalized car insurance coverage. Coming to us means coming to an agency that is easy to communicate with and one that will be able to guide you on a personalized path to choosing the right insurance plan. Our job is to prioritize your needs, and we specialize in getting auto insurance that is right for the Houston driver, rather than for the major auto insurance company.
Houston is famous for its traffic congestion, which is why you will find advocates in us when you choose us to help you get your auto insurance plan. We understand the benefits drivers need to keep them safe behind the wheel. Our goal is to make sure you get them at the most affordable prices for you.
Call us at 713-771-2626 or request your free auto insurance quote online now!
Common Auto Insurance Questions
What is auto insurance?
Auto insurance is a paid agreement between the insured and the insurer. It stipulates that, in the event of an accident or other vehicle loss, the insurer will step in and help cover some, if not all of the costs resulting from a damaged vehicle (depending on the type of coverage you have). In turn, drivers can feel safe knowing that, if an accident occurs, they will be provided financial assistance.
How does auto insurance work?
Vehicle damage can get very expensive if an accident is severe enough, and auto insurance is a guarantee that you will be assisted in covering those expenses. In the event of an accident, you would file a claim against your policy for aspects of the accident you are responsible for and your insurance will then give you financial assistance in covering some of the costs.
It’s important to understand that having quality coverage will limit your out-of-pocket costs, rather than digging yourself into significant debt. Given the high accident rate (that could affect any driver) in the Houston area, then this coverage is a benefit you cannot afford to be without.
What does auto insurance cover?
The average auto insurance policy can offer numerous benefits, including:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
Is auto insurance required?
By law, all Texas drivers are required to carry auto insurance with at least the following coverage:
Bodily Injury Liability Coverage: $30,000 per person/$60,000 per accident
Property Damage Liability Coverage: $25,000 per accident
Depending on if you have financed your vehicle, you also may be required to other types of insurance such as collision, comprehensive and gap coverage.
It is also highly encouraged that you carry higher liability limits than the minimum required coverage. Having more than just the bare minimum auto insurance coverage is essential. Our knowledgeable, experienced agents will help you determine the best policy.
What does auto insurance cost?
Numerous factors can influence the cost of your auto policy, including:
The value of your vehicle
Your driving accident history
Your history of claims on other auto policies
Where you live
How far you drive each year
There is a possibility that drivers might pay different prices for the same type of coverage, but we will make certain to use our resources and find you the best policy for the most reasonable price. Do not sell yourself short when it comes to auto insurance.
Call us at 713-771-2626 or request your free quote to figure out the best auto insurance policy for you and your vehicle.