{"id":745,"date":"2020-12-16T14:58:16","date_gmt":"2020-12-16T14:58:16","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=745"},"modified":"2021-06-10T12:26:25","modified_gmt":"2021-06-10T12:26:25","slug":"must-know-texas-car-insurance","status":"publish","type":"post","link":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/must-know-texas-car-insurance\/","title":{"rendered":"Everything You Need to Know About Car Insurance"},"content":{"rendered":"

Car insurance is one of those things you have to have, but you hope to never actually use. If you need to use your Texas car insurance<\/a>, it means you\u2019re not having a very good day. For this reason, many people don\u2019t know much about insurance as a whole or understand what their policy entails. This is a mistake!<\/p>\n

Don\u2019t worry, car insurance isn\u2019t nearly as complicated as you may fear. We\u2019ll go over some of the basics with you here:<\/p>\n

Basic Liability Insurance<\/strong><\/p>\n

All states require basic liability coverage. This is the type of insurance that generally protects other people\u2019s property and physical damage should you cause an accident. Essentially, this type of insurance covers someone else\u2019s expenses if you cause a car accident. This basic insurance acts as financial protection for other drivers. Because this type of car insurance is mandated by the state, it means any other driver who causes an accident will pay for your damages, so it is not all bad news.<\/p>\n

This insurance covers three things:<\/p>\n

#1<\/strong> Bodily injury maximum for one person injured in an accident<\/p>\n

#2 <\/strong>Bodily injury maximum for all injuries in one accident<\/p>\n

#3 <\/strong>Property damage maximum for one accident<\/p>\n

Other Insurance Offerings<\/strong><\/p>\n

In many cases, basic liability coverage isn\u2019t enough to fully pay for the other driver\u2019s medical expenses and property damages. Plus, it doesn\u2019t cover anything for yours! You\u2019d be personally responsible for picking up the remaining tab. That\u2019s why many drivers opt for more. Collision coverage covers damages to your own vehicle from collisions with other vehicles or objects while the car is being driven. Comprehensive coverage covers damages to your own vehicle from certain types of damage not related to vehicle accidents. This might include things like natural disasters, fire, civil commotions, vandalism, theft, and damage from hitting an animal.<\/p>\n

Premiums and Deductibles<\/strong><\/p>\n

Your premium is the amount you pay the insurance company each month in order to keep your policy active. Your deductible is how much you will have to pay out of pocket after a crash or other incident before the insurance company pays the rest. The higher the premium, the lower the deductible. If you need as low a monthly premium as possible, know that you\u2019ll end up paying more out of pocket later on before you meet your deductible and your car insurance kicks in. For this reason, buying car insurance is more complicated than just finding the lowest price.<\/p>\n

You want a policy through a company you can trust. You need a Texas car insurance carrier who is easy to get ahold of and treats you with respect. Of course, the price should be reasonable enough that you can actually afford to pay it! Pronto Insurance checks all these boxes!<\/p>\n","protected":false},"excerpt":{"rendered":"

Car insurance is one of those things you have to have, but you hope to never actually use. If you need to use your Texas car insurance, it means you\u2019re not having a very good day. For this reason, many people don\u2019t know much about insurance as a whole or understand what their policy entails. … <\/p>\n

Continue reading “Everything You Need to Know About Car Insurance”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":784,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6,26],"tags":[],"jetpack_featured_media_url":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2020\/12\/Everything-You-Need-to-Know-About-Car-Insurance.jpg","yoast_head":"\nEverything you need to know about Texas car insurance- PRONTO Blog<\/title>\n<meta name=\"description\" content=\"Everything you need to know about Texas car insurance can be answered to you by the helpful professionals at Pronto Insurance!\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.prontoinsurance.com\/blog\/must-know-texas-car-insurance\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#website\",\"url\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/\",\"name\":\"PRONTO Blog\",\"description\":\"It's our name and our promise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/must-know-texas-car-insurance\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2020\/12\/Everything-You-Need-to-Know-About-Car-Insurance.jpg\",\"width\":990,\"height\":460,\"caption\":\"Everything You Need to Know About Car Insurance\"},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/must-know-texas-car-insurance\/#webpage\",\"url\":\"http:\/\/www.prontoinsurance.com\/blog\/must-know-texas-car-insurance\/\",\"name\":\"Everything you need to know about Texas car insurance- PRONTO Blog\",\"isPartOf\":{\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/must-know-texas-car-insurance\/#primaryimage\"},\"datePublished\":\"2020-12-16T14:58:16+00:00\",\"dateModified\":\"2021-06-10T12:26:25+00:00\",\"author\":{\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#\/schema\/person\/16d009c819b29c036f8b6d0f4527ad52\"},\"description\":\"Everything you need to know about Texas car insurance can be answered to you by the helpful professionals at Pronto Insurance!\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/www.prontoinsurance.com\/blog\/must-know-texas-car-insurance\/\"]}]},{\"@type\":[\"Person\"],\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#\/schema\/person\/16d009c819b29c036f8b6d0f4527ad52\",\"name\":\"Prontisimo\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b58996c504c5638798eb6b511e6f49af?s=96&d=blank&r=g\",\"caption\":\"Prontisimo\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/745"}],"collection":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=745"}],"version-history":[{"count":3,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/745\/revisions"}],"predecessor-version":[{"id":820,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/745\/revisions\/820"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media\/784"}],"wp:attachment":[{"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}