West Texas Insurance Agency

3702 Mockingbird Ln
Amarillo, TX 79109

Is Auto Insurance Required in Texas?

The agents at the West Texas Insurance Agency serving the Amarillo, TX area want you to know about the importance of having an auto insurance policy in place in the state of Texas.

Is Auto Insurance Required in Texas?

In Texas, all people who drive a motor vehicle are responsible for paying for any accidents they cause. Most people choose to do this through auto liability insurance. This type of policy will pay to repair or replace the other driver’s vehicle and will pay for other people’s medical expenses if it is found that you are at fault for an accident.

Auto Insurance Coverage Options

In addition to auto liability insurance, many other types of auto insurance are available. Listed below are different types of coverage options you can choose from when it comes to auto insurance.

Underinsured and Uninsured Motorist Coverage

While Texas does not require uninsured and underinsured motorist coverage, it’s still a good idea to have this type of coverage in place. This is because you could become involved in an accident with a driver who has no insurance or does not have an adequate amount of auto insurance. This type of coverage will help you pay for any damage to your vehicle and medical expenses if needed.

Comprehensive and Collision Insurance Coverage

If you owe money for your vehicle to a lender, you will likely be required to have comprehensive and collision insurance coverage. This is because comprehensive insurance will help repair or replace your vehicle if a fire, an act of vandalism, or a natural disaster damage it. This will also help you out if your car is stolen.

Collision insurance is designed to help you pay for damage if you collide with a stationary object or another vehicle.

Contact West Texas Insurance Agency

To create the best auto insurance policy for you and your situation, contact the auto insurance agents at the West Texas Insurance Agency, serving the Amarillo, TX area, today!

Required Auto Insurance in Texas

When you are a driver in Texas, certain auto coverage is required for you by law. If you own a vehicle, you are required to have this insurance for it so that you and others on the road have some financial protection in case of an accident. When you have an auto policy in Texas, there are certain types of coverage that have to be included in it. To make sure that you have the insurance that you’re required to have, call us at West Texas Insurance Agency in Amarillo, TX to get started. 

Required Liability Coverage

The state requires two types of liability coverage, and these are broken up into three different coverage amounts. The bodily injury coverage pays for the medical bills of third parties who are injured in an accident when you are at fault for the accident. There are two amounts of this required by law. One amount is for everyone who was injured, and the other is for just one injured person. In addition to bodily injury, there is another liability type required. Property damage liability pays the other party for their property damage, such as repairs needed to their vehicle. 

Other Protection

Another type of coverage comes with Texas auto insurance unless you waive it in writing. This is called personal injury protection. This helps to pay for your own medical bills after an accident. There are other types of coverage that you can get as well that aren’t required, such as collision insurance. This pays for your vehicle’s damage from an accident. 

Protect Yourself and Stay Legal

To get the vital auto insurance you need, call us at West Texas Insurance Agency in Amarillo, TX to get started.

Auto Insurance and Coverage Options in Texas

When it comes to auto insurance as a driver in the state of Texas, the agents at West Texas Insurance Agency in Amarillo, TX want you to have an insurance policy in place to protect yourself from hefty fines and even jail time. This is because Texas requires that all drivers have a minimum amount of auto liability insurance to drive a motor vehicle legally. This type of insurance will help cover any damage you cause in an accident to someone else’s property, as well as any injuries sustained by anyone involved in the crash. Besides this type of required insurance, you may be interested in obtaining other types of auto insurance coverage options.

Underinsured and Uninsured Motorist Coverage

This type of insurance is excellent if someone slams into your vehicle, causing you to become injured or causing significant damage to your vehicle. This will help pick up the slack if the driver who caused the accident does not have any insurance or does not have a very good policy and place to cover everything it needs to.

Comprehensive and Collision Insurance

Comprehensive and collision insurance coverage options may be required for you to have in your auto insurance policy if you still owe a loan for your vehicle. Even if you don’t, they’re both excellent coverage options to include.

Comprehensive coverage will help pay for any damage your car sustains if there is a natural disaster, a fire, or an act of vandalism. It will also replace your vehicle if it is stolen.

Collision insurance will help pay for damage to your vehicle if you collide with another vehicle or even a stationary object.

Contact Us

to create an auto insurance policy with adequate coverage, contact the very knowledgeable and experienced auto insurance agents at West Texas Insurance Agency in Amarillo, TX today!

How to Avoid an Auto Accident

When you need your auto insurance you could select the West Texas Insurance Agency servicing Amarillo, TX, to find your best rate and coverage for yourself and your family. To get your best rate, try to not have any automobile collisions. Be certain to be aware of your surroundings when driving because avoiding a car accident is usually something we could plan a little. Remember to drive slower when there is an unusual problem or something different, like the weather or some other vehicle driving different than usual or even some item in the road. Sometimes drivers ignore these differences and maybe would not see the problem early enough. You would need to drive like they are going to collide with your vehicle to drive your best and defensively.

One way to avoid a collision is to stay back from the other vehicle in front of you. This is a very common cause of vehicle accidents, the short following distance and the hard brake leads to multiple automobile wreckage mistakes. Use your signals for lane changes and turns. This is helpful and courteous, and, also, required. Use your etiquette, too, which will help you notice everything. When you go to an intersection, be certain that it is clear perpendicular to you. Remember to avoid alcohol before you drive. This is easy, usually, and maybe there would be a problem, though, and your driver is not available, after all. Remember to notice this and drive when sober. Maybe you need to remember the one beverage per hour rule and stay away from driving when drinking alcohol, usually.

Your West Texas Insurance Agency servicing Amarillo, TX, will help you with your insurance for collisions that maybe you would not cause because you follow these rules. 

Why does anyone need auto insurance in Texas?

Anyone that lives in the Amarillo, TX area will find that owning a vehicle is a good idea as it will make getting around the community much easier. While there are conveniences that come with vehicle ownership, it is also a big responsibility that you need to take seriously. One responsibility includes ensuring that you have proper insurance. There are several reasons that people here need to have auto insurance. d

Coverage Required by Law

A common reason that people in this area of Texas will need to have auto insurance is that the coverage is often required by law. Anyone that would like to drive a car on a public road in this state needs to at least have liability insurance. If you do not have this coverage, you could face various penalties. 

Coverage is a Lender Requirement

If you have decided to take out a loan when buying a car, you will need to abide by your lender’s insurance obligations. In many cases, the lender will stipulate that you need to have both collision and comprehensive coverage. This insurance ultimately protects your vehicle against many risks including theft, vandalism, or accident damage. Banks will want you to maintain this coverage until it is fully repaid as it will protect your vehicle and their security interest in your car. 

People that are in the Amarillo, TX area and want to own a vehicle should always get auto insurance for it. As you are looking to build an insurance plan, you should call the West Texas Insurance Agency. When you do call the West Texas Insurance Agency, you can learn a lot about the different insurance needs and options that you have. This can help you choose a plan that will give proper protection. 

Is it time to upgrade my auto insurance in Texas?

Upgrading your auto insurance policy in Amarillo, TX is relatively straightforward. Many motorists rarely boost their auto insurance. All they undertake is to renew their policies devoid of proper assessment of their current prevailing needs, getting captured. If you are such an automobile owner, please contact West Texas Insurance Agency in Amarillo, TX to explain striking reasons that may warrant your auto insurance upgrade. 

When you are letting go of your current car

There are various reasons you would want to offload your current car. You are probably aspiring to upgrade, downgrade, or upon your lease expiry, and you need to figure out the next step to take. Regardless of the reason, it’s prudent to upgrade your auto insurance to ensure your pressing current needs are taken care of.

When you change use of your car

Are you utilizing your vehicle in running your business affairs? It is wise to upgrade it to commercial auto insurance if you convert your private car to business operations. It’s vital to upgrade your auto insurance to commercial auto insurance to safeguard your driver when accidents strike.

When you let a teenager drive your car

When you decide that your teenage daughter or son should drive your car, there is an urge to include them in your auto insurance policy. Teenagers are considered risky and vulnerable drivers to road uncertainties requiring adjustment of your premiums accordingly from your insurance company.

Switching your coverage to another

When you realize that the third-party policy you earlier possessed is not adequate, you would prefer switching to comprehensive insurance.

Are you still in the darkness, unsure whether to upgrade your auto insurance in Amarillo, TX? Call or visit our West Texas Insurance Agency offices for guidance from our reputable agents.

Do I need an auto insurance plan in Texas?

Those that are living in the Amarillo, TX area should consider buying a car as it will make it a lot easier to get around this area of Texas. If you do decide to invest in a vehicle, there are a lot of responsibilities that come along with it. One responsibility that all people will have will be to carry a proper insurance plan. There are several reasons why this coverage is a necessity.

Coverage is Needed to Comply with State Law

A good reason to get an auto insurance plan when in Texas is so you can comply with the state law. Any driver in Texas is obligated to at least carry the basic minimum level of liability auto insurance coverage. If you do not carry this protection at all times you are risking a variety of penalties. 

Coverage Needed to Protect Car

Buying a car is a very big investment and is one that you should aim to protect as well as possible. If you get a full auto insurance plan in this area, you can receive collision and comprehensive protection as well. This insurance coverage will help to offset many risks including the risk of theft, accident damage, or vandalism. 

If you are a resident of the Amarillo, TX area, it will be a good idea to always have auto insurance. If you are looking for a new plan when you are in this area, speaking with the team at the West Texas Insurance Agency is a good option. If you do call the team with the West Texas Insurance Agency you can learn a lot about how this insurance can protect you. They can give any support needed for you to build an appropriate plan that meets your needs. 

Why do you need auto insurance in Texas?

In the Amarillo, TX area, owning a car can be a good option for anyone. Those that would like to buy a car here will find that it is a lot easier to get around town and complete your required tasks. Along with a car, you also need to pick a quality insurance plan. There are a few different reasons why you should choose an auto insurance plan when you are here. 

Insurance Protects Vehicle

A primary reason that you need to get an auto insurance plan is that it will protect your vehicle. A vehicle is an important investment that people in Texas need to protect. If you get a full policy with collision and comprehensive protection, the plan will give you protection for virtually any scenario that could result in a loss. 

Insurance is Required by State

You will also need an auto insurance plan because it will be required by state law. Those that want to drive a car in Texas will always need an auto insurance plan to be in place at all times. State law requires that all drivers have liability coverage, which ensures that someone at fault in an accident will be able to pay for the damages that were caused in the collision. 

Those that want to own and drive a car in the Amarillo, TX area clearly need to get auto insurance for it. When you are going to look for a new policy in this area, you should call the professionals with West Texas Insurance Agency. It is always an important decision when you need to choose a new plan. The team with West Texas Insurance Agency can help you better assess your options and choose an insurance plan that is right for you. 

The Essentials of Safe Driving

According to the National Highway Traffic Safety Administration (NHTSA), there were more than 36,000 traffic accidents that resulted in death in 2018. It’s imperative to make sure you’re safe every time you get into your vehicle. In Amarillo, TX, the independent agents at West Texas Insurance Agency would like to give you a few tips that are essential to driving safely.

Obey the Speed Limits

It’s just as dangerous to drive fast as it is to drive too slowly. Don’t go too far under the speed limit on highways or interstates. If you find that you are driving slower than others, you should get into the far-right lane. If your car is in distress, then you should turn on your hazard lights until you get to where you are going.

Always Wear Your Seatbelt

Seatbelts are meant to protect drivers from serious injury if ever you were in an accident. Seatbelts were designed to keep you restrained while the car is being impacted. Without a seatbelt, you could hit the steering wheel or the windshield. Some crash victims have been thrown from the vehicle entirely as a result of not using their seatbelt.

Never Drink or Use Drugs

Drinking while driving can alter your perception when you’re behind the wheel. Drugs can do the same. Not just illegal drugs, such as heroin or cocaine, but legal drugs prescribed by a doctor. Prescription medications, such as painkillers or muscle relaxers can slow your reaction time. Find out how your body reacts to them before getting behind the wheel.

One of the safest ways to drive is to have insurance. Just in case you’re involved in an accident you’d be covered. Check out the West Texas Insurance Agency in Amarillo, TX for your auto insurance needs.

How your driving record affects your auto insurance policy

Did you know that insurance providers use your driving record to calculate your auto insurance premiums? Being an aggressive, reckless, and unlucky driver In Amarillo, TX can cost you more than you can imagine. No company wants to ensure a driver who is always filing claims. West Texas Insurance Agency is all about helping you stay safe on the roads. That is why it will cost you more for having a poor driving record.

My driving record and my insurance policy, how are they connected? 

How does your insurance company know that you slipped in the first place? Auto insurance companies are thorough enough to check how you have been behaving on the roads. Therefore, any car infraction you are involved in is tagged to your driving record by the government. The more the violations, the more tarnished your driving record becomes. However, not all violations are included. Simple violations like busted taillights, parking tickets, or failure to update insurance paperwork only come with fines.

What factors affect my driving record?

There are many factors that can affect your driving record—some being more detrimental than others. Additionally, insurance companies in Amarillo, TX have different policies for specific driving record tarnishes and may focus on particular factors. Some of these factors include:

  • DUIs
  • Accidents
  • Tailgating
  • Speeding tickets
  • Overdue bills or late payments
  • Getting a traffic ticket in a construction or school zone
  • Too many insurance claims

It is almost impossible to determine how much your insurance company can raise. Some violations can be forgiven while others may not. For instance, if it is your first time to get a speeding ticket, and it is the only violation in your record, your insurance company may forgive and keep the rates intact. If you have more than two violations, your insurance premiums will obviously go up.

Safe driving means owning a clean record. At West Texas Insurance Agency, we care about your safety and the safety of other road users. Feel free to contact us with questions about auto insurance.

Servicing States

  • Texas
  • Oklahoma
  • New Mexico