Auto Insurance in Temple, TX

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Meeting Your Car Insurance Needs in a Growing Infrastructure

Transportation has been a vital part of Temple's identity since it was founded as a railroad town. Getting from place to place may look different now than it did then, but it's still an important aspect of the day-to-day lives of Temple residents.

Whether you've recently moved to our central Texas city or have been a resident of "Tanglefoot" for many years, you need reliable insurance coverage when you're on the road. At VIU by HUB, our brokers are ready to work with you to match your needs with a policy for car insurance in Temple, TX.

The Right Policy Is Important to Temple Drivers

Many people and industries depend on Temple's goods distribution centers to deliver products on time. They also rely on Temple's growing healthcare industry. With these responsibilities, it's vital that Temple’s drivers stay on the road safely and dependably.

Vehicle accidents have been on the rise in recent years in the Temple area. With the I-35 expansion and Loop 365 projects, main transportation arteries have been improved to allow for greater traffic flow. The upgraded infrastructure is a welcome addition for drivers; however, increased demand on the roadway leads to greater accountability for motorists. Now more than ever, it's vital for you to have dependable car insurance in Temple, TX.

What Type of Car Insurance Do I Need?

Even the most skilled and careful drivers need insurance coverage. Texas law requires drivers to carry an auto insurance policy. The law is meant to protect you as well as other motorists.

Our experts at VIU by HUB can sit down with you and review your policy needs:

  • Liability coverage: If you cause an accident, liability insurance covers vehicle repair, medical costs, and losses for the other driver. In Texas, the minimum liability coverage is 30/60/25 coverage, though most drivers choose to go beyond minimum coverage in the event of a totaled car or a multi-vehicle accident.
  • Collision coverage: This coverage pays for the repair or replacement of your vehicle.
  • Uninsured and underinsured motorist coverage: If someone who doesn't have adequate insurance coverage has an accident with you, this coverage will help cover your costs.
  • Towing and labor coverage: If you can't drive your car, this coverage can pay for towing your vehicle to a repair shop. It can also cover the cost of other services such as changing a flat tire or jump-starting a dead battery.

You may choose to have comprehensive coverage for your standard or classic vehicle. Comprehensive coverage can help you pay for costs incurred from the kinds of damage people don't often think of, such as earthquake or fire loss, damage from small animals or even celestial damage — objects falling from the sky. Other coverage types you may need include full glass or electronic equipment coverage. We can work with you to determine the right deductible level for your car insurance in Temple, TX.

What Factors Determine My Insurance Cost?

Your VIU by HUB Insurance broker can work with you to develop a policy that meets your budgetary needs for car insurance in Temple, TX. Your premiums depend on several factors, including the number of vehicles you insure, your age, how many miles you drive, your accident record, credit history and claims history. Consult your broker if you've had any significant changes that may affect your premiums.

This information is intended for general informational purposes only and is not intended to constitute legal advice.