Auto Insurance in El Paso, TX

Auto insurance can provide financial support after an accident or damage-causing event. Without adequate car insurance, you could face fines and be held liable for injuries and property damage to others.

Why Do I Need Auto Insurance?

Auto insurance safeguards your finances after an accident or other claims. While we hope never to use it, having coverage can be a lifesaver. Imagine an accident where you’re at fault, causing significant damage to multiple vehicles and sending people to the hospital. You could be legally responsible for tens of thousands of dollars in damages. Even minor fender benders can lead to substantial financial responsibility. Auto insurance can help mitigate these risks by covering repair costs, medical expenses and more.

Furthermore, having auto insurance is often a legal necessity. Many states require at least minimum coverage to comply with state laws. Also, if you lease or finance your vehicle, your lender likely has minimum insurance requirements as part of the financing agreement.

What Does Auto Insurance Cover?

There are many types of auto insurance coverage options. A basic auto insurance policy typically

covers the following:

• Property damage liability may cover damage you cause to other people’s property, such as their car or fence.
• Bodily injury liability can pay for expenses associated with injuries or deaths you cause while driving, including lost wages and medical bills.

Depending on where you live, these coverages may not provide enough protection for your needs. Also, if you have an auto loan or are leasing your car, you may be required to purchase additional policies as part of your contract. The following are other options to consider adding to your auto insurance policy:

• Collision coverage can help with car repair costs after a collision, regardless of who is at fault.

• Comprehensive coverage can cover damage caused by noncollision events, including theft and vandalism.

• Personal injury protection (PIP) may compensate for medical expenses following an accident.
• Uninsured/underinsured motorist coverage can protect you if you are involved in an accident with an at-fault driver without insurance or who lacks coverage to pay for damages.

How Much Is Car Insurance?

The cost of your car insurance is determined by assessing your likelihood of being involved in an accident. Insurers may consider the following factors to calculate your premiums:

• Age
• Location
• Driving record
• Type of vehicle
• Deductible

Get Covered Today

Auto Smart Insurance can help you get the right auto insurance policy at a competitive price. Contact us today to get started.