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What Every New Driver Should Know About Car Insurance in San Antonio

car insurance

Unlike Virginia or New Hampshire, drivers in the state of Texas are required to have car insurance. In all actuality, this is for the best. New Hampshire law may not require drivers to have car insurance but, in the event of a crash that results in property damage or injury, the driver’s license will be suspended until the driver has paid off all the costs relating to the collision. By being required to have car insurance, drivers in San Antonio will be able to drive free from stress. But what exactly is car insurance and why does it matter? Pan American Insurance can help.

What Determines Your Car Insurance Rates?

Car insurance is not a one-size-fits-all scenario. The way you use your car will determine your own particular rates. Although people tend to use their cars to drive to work or school, some drivers actually use their cars as a form of income through rideshare services. All of these details go into your car insurance rate so make sure your insurance agent understands how you’ll be using your vehicle. This way, you’ll be able to acquire the most adequate insurance policy for your particular needs.

What Does Car Insurance Cover?

It’s important to understand that your car insurance policy won’t cover every single thing. There are seven basic types of car insurance coverage, however. They are: bodily injury, liability, medical payments or personal injury protection, property damage liability, collision, comprehensive, uninsured, and underinsured motorist coverage. Although being covered for everything may be possible, drivers must be aware that every coverage type has a cost. As confusing as this may be, your insurance agent will gladly provide the assistance you require in order to determine the right coverage for your needs. Budget is important when determining your insurance policy so make sure to tell your agent exactly what you can afford, in regards to insurance.

What Should I Know About the Deductible?

Car insurance protects drivers who find themselves in accidents. If you find yourself in an accident, you’ll have to pay a deductible towards the cost of any repairs that occurred as a result of the crash. The deductible is determined by how much you pay per month. If your deductible is low, your monthly insurance costs will be high and vice versa.

Where Could I Get Car Insurance in San Antonio?

If you’re in need of car insurance in the city of San Antonio, Pan American Insurance can help. Since we’ve been assisting the San Antonio area for many years, we have intimate knowledge of what our clients require when it comes to car insurance. Contact us today to set up your next appointment!


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