If you drive a vehicle or ride a motorcycle, you need to purchase an insurance policy in Austin, TX. TAB Insurance Agency LLC can help you to find the right auto & motorcycle insurance solution for your needs.

It’s important to be informed before you purchase insurance. The following are three things to know about auto & motorcycle insurance in Austin.

You are legally required to carry liability coverage.

in Austin and the state of Texas, you are required by law to carry liability coverage. Texas requires you to carry $30,000 per person in liability coverage and $60,000 liability coverage per accident. You are also required to carry $25,000 in property damage coverage. 

You have the option of purchasing collision and comprehensive coverage.

Although you are required to carry liability coverage, collision and comprehensive coverage are two types of auto & motorcycle insurance that are optional.

Collision coverage covers the costs of repairs to your own car, truck, or motorcycle. Comprehensive coverage covers the costs of damages from theft, fire, and a few other events.

If you don’t invest in collision coverage, remember that you’ll have to cover the costs of repairs to your own vehicle independently. That’s why it’s always a good idea to opt for collision and comprehensive coverage. 

You can minimize your premium with a higher deductible.

Your insurance policy will come along with a deductible. Your deductible is the amount of money you have to pay out of pocket in the event of accident damages. If you choose a higher deductible amount, you may be able to save money on lower monthly premiums. 

Let us help you in your search for a good auto & motorcycle insurance solution in Austin. Contact us at TAB Insurance Agency LLC with your questions and inquiries.