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Insurance Close to Home
Car insurance in Rio Grande City, TX, does not come with a single set price. Factors such as your age, car, and driving record can all affect the quotes you receive. Ensure the lowest quotes by using SafeGuard Insurance Agency's local Rio Grande City expertise and relationships with 120 companies to get you the lowest options on the best coverage. Give us a call or stop by today!
What is Auto Insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
What Is Covered by an Auto Insurance Policy?
Your auto policy may include any or all of six coverages. Each coverage is priced separately.
Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.
Medical Payments or Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car.At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits.
Collision
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium.
Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.
Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss.
Frequently Asked Questions
Learn more about auto insurance by exploring the answers to common questions, and then contact us for additional information.
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Insurance Agency You Can Trust
Whether you seek auto, home, life, transportation, or business insurance, or a combination of other insurance options, SafeGuard Insurance Agency provides comprehensive insurance solutions tailored to your unique lifestyle. As an independent full-service agency with various agents and locations across the Valley, we strive to provide you not just with full cover, but also with personalized service every step of the way. Our professional team is always on your side and remains dedicated to finding the best cover for your peace of mind.
