How to Find the Most Beneficial Auto Insurance Policy

Auto liability coverage is required in the state of Texas. But what other types of coverage do you need? Remember that liability (as its name suggests), only covers damages that others incur as a result of an auto accident that is deemed your fault. 

Other Types of Insurance You May Want

Even though liability is the only type of auto insurance that is required for your vehicle in Texas, you may want to look into other types of insurance such as:

  • Collision insurance
  • Comprehensive insurance
  • Uninsured
  • Underinsured
  • Medical Payments

Collision insurance covers damages to your own vehicle, whether it was your fault or not. If you incur damage from an accident that was the fault of an uninsured or underinsured driver, you will still be able to replace or repair your loss with your insurance policy if you deal with a company like Insurance Solutions of Texas in Sugar Land, TX. The medical payments option helps cover hospital or medical costs due to an accident and is optional coverage. 

What’s the Difference Between Uninsured and Underinsured?

Uninsured is insurance you carry that covers loss when the other driver has no insurance at all. Underinsured covers loss or damage due to not having enough insurance to cover the loss. 

Which is Right for Me?

Insurance is a personal thing. Other than the obvious required and state-mandated coverage (liability in Texas), how much of the other types of insurance you carry is up to you. You should consider the level of risk you take based on the amount of driving you do, how much you take other people in your vehicle with you, your likelihood of accident based on statistics such as age and other factors, and how much insurance you can afford.

Speak to your Sugar Land, TX insurance expert of Insurance Solutions of Texas to learn more and know that, when the unexpected happens, you’re covered!

Auto Insurance Requirements and Options in Texas

In the state of Texas, all drivers must have at least a liability insurance policy that will cover injuries and property damage sustained by other people in a crash that you caused. The auto insurance agents at Insurance Solutions of Texas in Sugar Land, TX can explain the additional liability auto insurance coverage that you can obtain.

Underinsured/Uninsured Auto Insurance Coverage

You can also get uninsured and underinsured motorist coverage. If you are hit by someone in an accident who does not have insurance or does not have enough to pay for damages, your policy will pick up the difference.

Comprehensive Insurance

Comprehensive insurance will pay for your vehicle if damaged or destroyed in an unforeseen circumstance, such as a fire, vandalism incident, or natural disaster. It will also pay to replace your vehicle if it is stolen.

Collision Insurance

Collision insurance will pay for damages to your vehicle if you collide with another auto or object.

Medical Payment Insurance Coverage

Medical payment insurance will pay medical bills for you and your passengers and will pay your medical bills if you’re injured while riding in someone else’s vehicle.  

Other Types of Auto Insurance Coverage

There are a few other auto insurance coverage types that you can opt to add to your policy, including towing and labor coverage and personal injury protection coverage, which is similar to the medical payment coverage. Still, it also pays for lost wages and even some non-medical costs.

Call For a Quote

To obtain the types of coverage you need and to provide you with the security you deserve, contact the experienced and trusted auto insurance agents at Insurance Solutions of Texas in Sugar Land, TX.

Are Comprehensive and Collision Required Auto Insurance Coverages?

You already know that you need liability to stay legal on the roads of Sugar Land, TX. But what about other auto insurance coverage? Our team at Insurance Solutions of Texas has created a guide to help you learn more about comprehensive and collision insurance.

Are Comprehensive and Collision Required on Your Auto Policy?

The short answer to this is no. Comprehensive and collision are considered first-party insurance, which means they pay to fix your vehicle in the event of a collision, no matter who is considered at-fault.

The State of Texas requires you to carry liability insurance. This is a third-party coverage that pays for the other person’s medical bills and property damage if you’re deemed the one who caused an accident. Thus, it is not legally required to have comp and collision on your Texas auto insurance policy.

You Might Still Be Required to Carry It By Your Lender

While the government doesn’t care if you have coverage for damage to your own vehicle, your lender probably does. Most have a clause in their contract with you that states you’re required to carry it on your auto insurance policy. Why? If you get into an accident and the vehicle is totaled, they want to make sure they can still get money out of their investment.

If you have a loan or lease on your vehicle, you’ll likely need to purchase comprehensive and collision insurance. Failure to do so could mean force-placed insurance, which gets added to your monthly car payment and often costs more than just adding it to your normal auto insurance policy.

Ready to learn more about how a policy from Insurance Solutions of Texas can help keep you legal while out on the road? Please contact us today to schedule a Sugar Land, TX auto insurance evaluation.

Three features to look for in an auto insurance policy

Auto insurance coverage is essential if you want to be a vehicle owner in Sugar Land, TX. We offer auto insurance coverage at Insurance Solutions of Texas that gives you the financial protection you need. 

The following are three key features you should look for when you’re deciding on the right auto insurance policy. 

Roadside assistance

Roadside assistance comes in handy if you ever break down while out on the roads. With roadside assistance, you can call up your insurance company, and they can send someone out to tow your vehicle to a garage.

With roadside assistance, you don’t have to worry about becoming stranded because of an accident or a mechanical failure. Many insurance companies offer roadside assistance as an added feature on their policies. This is one of the most useful features to look out for when it comes to auto insurance policies. 

Rental car coverage

If you’re in an accident and your vehicle needs to undergo repairs at the garage for a while, you’re going to be stuck without transportation. One perfect solution is to have rental car coverage on your auto insurance policy.

With rental car coverage, your auto insurance provider will pay for a rental car that you can drive until your vehicle is out of the garage and functioning properly once again. 

Automatic payment capabilities

You mustn’t forget to make a payment on your auto insurance policy. If you forget to make a payment, your policy could be canceled. 

Many auto insurance providers offer an automatic payment feature. With this feature, payments will be automatically deducted from your bank account so that you don’t forget about them. 

Are you interested in learning more about auto insurance in Sugar Land, TX? We’re here to offer assistance. Contact Insurance Solutions of Texas to explore your options. 

3 Types of Texas Auto Insurance

Sugar Land, TX is a beautiful place, but it has some very dangerous roads and intersections. Your friends here at Insurance Solutions of Texas want you to be safe on the road. We also want you to be protected in case you are involved in an auto accident. The following are three basic insurance types to consider when choosing your auto insurance coverage:


Liability is the minimum amount of insurance required by law. Liability insurance covers damages, medical costs, and other expenses incurred due to an accident in which you are at fault. Basic liability coverage includes bodily injury liability- usually a set amount per person and accident- and property damage. The level of coverage required for each category varies by state.


Collision coverage takes care of your vehicle in the event of an accident, no matter who is at fault for the event. This includes accidents involving other cars, buildings, stop signs, trees, and more.


Comprehensive insurance coverage is designed to replace a vehicle that is damaged by covered events, which usually include things like fire, vandalism, theft, weather damage, and more depending on the policy.

Usually, when people use the term “full coverage,” it means that you have added both collision and comprehensive coverage. However, the term can mean different things to different companies, so it is essential to ask what specifically comes with a full coverage policy.

There are additional coverage types that you should consider adding to your policy. These include:

  • Uninsured or Underinsured Motorists– This helps cover damages and expenses caused by another driver that cannot pay.
  • Roadside Assistance– It comes in handy if you are broken down on the side of the road.

Protecting yourself, your loved ones, and your vehicle in the event of an accident is very important, and Insurance Solutions of Texas wants to help you choose the best coverage for your needs. If you are in Sugar Land, TX, stop by or give us a call today for a no-obligation, free quote! We look forward to serving you.

Winterizing Your Car? Don’t Forget Your Auto Insurance

When you’re in Bellaire or Sugar Land, TX, you want to make sure that you do a few things to prepare your car for the winter. This includes building an emergency kit and taking care of preventative maintenance. You don’t want to forget your auto insurance, either, and that’s where Insurance Solutions of Texas can help.

Pack Your Emergency Kit

It’s a good idea to have an emergency kit in the car in case you have an accident. Whether you need a shovel to move some of the snow out of the way or a flashlight to see in the dark, it should be in your car when you need it. A few other things to consider adding to your kit includes gloves, a windshield scraper, jumper cables, and road flares.

Schedule Your Preventative Maintenance

Your car should be ready to handle all of the inclement weather. As such, it’s a good idea to get your vehicle scheduled for some preventative maintenance. Have your oil changed, your tire pressure checked, and your windshield wipers replaced. You should have your battery checked, too, so your car doesn’t die on the coldest day of winter.

Review Your Auto Insurance Policy

It’s vital that you not only have auto insurance but the right insurance. Collision and comprehensive coverage are optional in most instances. However, when there are snow and ice on the roads, it can lead to your vehicle slipping and sliding more than average. Added coverage allows you to feel better protected in the event that you lose control and collide with a guard rail or another vehicle.

Contact us at Insurance Solutions of Texas today to get free quotes on auto insurance. With our help, you can be prepared for winter in Sugar Land, TX with a higher sense of security.