Auto Insurance

Texas drivers have a number of options available to them when it comes to choosing an auto insurance policy. At Hays Insurance Group, we work with only the best insurance carriers to ensure you are getting a quality auto insurance policy that meets your individual needs as well as your budget.
Whether you are in Buda, Kyle, or Mountain City, every motorist in Texas must be able to pay for any damages or injuries they might cause in a car accident. Drivers can choose to fulfill this obligation through an auto insurance policy or alternative means such as a cash or securities deposit with the county judge or state comptroller. The vast majority of Texas motorists choose auto insurance over the available alternatives.
Each and every Texas auto insurance policy must meet certain liability insurance requirements. Liability insurance will cover injuries or damage to others or their property if you cause an accident, but these required minimums do not provide protection for you and your vehicle. For this reason, many drivers will choose to purchase optional coverage on top of what is required. Let’s take a look at the required coverage, as well as optional coverages available to Texas drivers that can offer a greater level of protection.

Buda, Texas Auto Insurance Liability Requirements

  • $30,000 per injured person.
  • $60,000 for all injuries per accident.
  • $25,000 for property damage. 

Optional coverages are designed to help you protect the investment you have made in your vehicle and to cover various accident-related expenses. These coverages can include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, loan/lease gap coverage, rental car coverage, roadside assistance/towing coverage, and more. The two most common policy additions are collision coverage and comprehensive coverage.
Collision coverage will cover any accident-related damages caused to your vehicle up to your policy limit. If you have financed or leased a vehicle, your bank or lender may require that you carry collision coverage. As vehicles age, collision coverage may become less valuable. In some cases, it might make sense financially to discontinue collision coverage on older vehicles that have depreciated significantly.

Comprehensive coverage offers protection for when your vehicle is damaged by something other than a collision. The types of damage that are covered under comprehensive coverage would include things such as vandalism, fire, theft, natural disaster, and similar non-collision related damage.   
Hays Insurance Group is committed to finding you a great rate on a Buda, Texas auto insurance policy that meets all of your individual needs. Whether you are a first time driver, or are just shopping for a better rate on your current policy, our team of experienced agents is here to help. We are located in Buda, Texas however we also serve the neighboring cities of Kyle, Mountain City, Driftwood, and Niederwald. Contact us today for a free quote or you may use our Auto Insurance Tool to get started as well!

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