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Fort Worth TX Car Insurance

Todays Date: December 19, 2018

How much car insurance do you really need if you reside in Fort Worth?

Liability insurance is the only type of coverage that you must have if you want to stay legal. Keep in mind, however, that liability does not pay for any damages that have hurt you, but damage that have hurt others and for which you are responsible for.

If you reside in Fort Worth you have to have the following amount of liability coverage: $25,000 in bodily injury coverage for a single person in one accident, $50,000 in bodily injury coverage for everyone in an accident, and $25,000 worth of property damage liability protection.

Is it all right to just get the minimum amount of liability insurance (25/50/25)? The short answer is no. Because liability expenses can pile up really fast, you’re better off paying more on your car insurance premium and not have to worry about being sued if you’re liability coverage comes up short.

When shopping for auto insurance, you should also look at other insurance options. Different insurance types include Guaranteed Auto Protection (GAP), Personal Injury Protection (PIP), uninsured/underinsured, collision insurance, and comprehensive insurance.

Collision coverage pays for damages to your vehicle, regardless of who is the guilty party. Comprehensive pays for damages from things such as floods. GAP coverage pays the difference between what your insurer will give you and how much you still owe in financing if your automobile is stolen or totaled. Personal Injury Protection is like a health coverage and uninsured/underinsured protects you from motorists with not enough liability coverage.

Before you start getting auto insurance quotations, its a good idea to check out the official website of The Texas Department of Insurance. Once there, you’ll see a case study, which shows sample auto insurance rates from each of the 3 counties within Fort Worth: Parker, Tarrent, and Denton. The whole point of these sample quotes is to encourage you to look at multiple car insurance companies before purchasing.

One of the best places to go to for auto insurance is by seeing your local independent agent, who has connections with many providers and may be able to get you the best quote.

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