817-485-5050 info@schwabagency.com

Suggestions for Shopping for Your First Auto Insurance Policy

Knowing these things will make first-time car insurance shopping a little easier.

If you are looking to secure your first-ever car insurance policy, you may be feeling a little overwhelmed. With all the different carriers and coverage options out there, it can seem impossible to find the right policy to meet your needs and budget. To make the process of securing car coverage a little easier, here are some of the things you should know.

Your State’s Insurance Requirements

Almost every state has some minimum level of auto insurance that drivers are required to carry. It’s important to know your state’s minimums before you select an auto policy so you can ensure that the coverage option you select is meeting your legal requirements. For a breakdown of Texas’s auto insurance requirements, please click here.

Recommended Coverages

While state insurance minimums are a good place to start, drivers are recommended to carry coverage that extends beyond legal minimums. This is because, in an accident, insurance minimums will only cover a portion of your costs, leaving you to take care of the rest on your own. To ensure that you have the comprehensive protection you need, you are recommended to carry the following coverages:

  • Bodily injury liability
  • Personal property liability
  • Collision
  • Comprehensive
  • Medical payments
  • Underinsured/uninsured motorist

Reducing Your Rates

Finally, once you start receiving auto insurance quotes, you might feel like your rates are set in stone. However, there are some things you can do to cut them down a bit. For instance, make sure you are using all of the discounts that you qualify for. Additionally, you can save by bundling your auto insurance with your other existing insurance policies. Finally, you can save in the long run by keeping your driving record clean. The fewer accidents and traffic violations on your record, the more your rates will drop.

These are some of the things you should know when securing your first-ever auto insurance policy. Do you have additional questions regarding your car coverage? If so, contact the experts at The Schwab Agency in Colleyville, Texas. We are ready to assist you with all your coverage needs today.


The Schwab Agency

The Schwab Agency, LLC has over 20 years of experience within the insurance industry in our community and our goal is to bring you unparalleled service and dedication. Since the majority of our business is through long-lasting relationships with our clients, fulfilling your needs is of the highest priority.

COVID-19 Update:

Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.

We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.

Tim Schwab.
President and Managing Partner