Gillman Chrysler Jeep Dodge RAM is your home for a diverse selection of automobiles from several of the nation's leading automakers. One thing are extensive inventory has in common is a requirement for the owner to be insured in accordance with the car insurance laws of the state of Texas. 

What is auto insurance and why do you need it?

If you get in an accident with another driver, or accidentally back into a homeowner's fence, auto insurance provides financial protection for your vehicle, the other driver's vehicle, the homeowner's damaged property - really, anything associated with the accident that involves a monetary cost. Auto insurance also covers you and/or other drivers in case of an injury during an accident. For example, if your RAM pickup near Tomball, TX gets rear-ended at a stoplight and you get a sprained neck, auto insurance (in this case, the other driver's insurance) significantly minimizes your medical expenses.

The pros in our Jeep finance center serving Pearland, TX like to think of auto insurance as a case where you pay a little bit each month in order to avoid paying a lot should an accident occur. 

Insurance coverage options in Houston, TX

Texas state law requires every driver to purchase and maintain auto insurance. In fact, before you buy a Jeep® SUV or RAM truck from our Jeep dealers at 10585 W Sam Houston Pkwy S in Houston, TX, you need to have the right coverage. The requirements differ by state, but in Texas a valid auto insurance policy must have:

  • $30,000 in bodily injury coverage, per person
  • $60,000 in bodily injury coverage, total per incident
  • $25,000 in property damage coverage, per incident

Although Texas state law doesn't require policies like uninsured/underinsured motorist coverage, the fact that Texas is a "tort state", which means that someone will be found liable for every accident. Thus, if an uninsured driver causes an accident in which you or your car is debilitated, your current policy might not cover everything. For this reason, many Texas drivers purchase additional insurance to avoid situations like this.

Learn More about Car Insurance Today

Car insurance is mandatory in Texas, and all drivers must meet the minimum policy requirements outlined above. The experienced team at our Houston new car dealership serving Sugar Land, TX is more than happy to provide more information about car insurance, and ensure that you and your new vehicle are well-covered. 

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