Automobile Insurance The Woodlands Texas - P&G Insurance
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Automobile Insurance The Woodlands Texas

Auto mobile Insurance in The Woodlands, Texas

Looking for automobile insurance? Do you live in The Woodlands, Texas? Peterson & Grantham Insurance offers auto insurance in your area. Our insurance company that has over a decade of experience. We take pride in getting our customers the best coverage with the most affordable and competitive rates. We do not charge an added brokers fee, so we can really focus on great rates. Auto Insurance is very important and we work with dozens of carriers. 

The Woodlands Texas Automobile Insurance Minimums

Texas law requires people who drive in the state to pay for the accidents they cause. The majority of Texas drivers comply with this requirement by purchasing auto liability insurance. Texas financial responsibility law specifies minimum insurance coverage amounts for Texas drivers. Texas law sets forth minimum coverage amounts for automobile insurance. The basic coverage is sometimes called 30/60/25 coverage, and requires:

  • $30,000 for each injured person,
  • $60,000 total per accident, and
  • $25,000 for property damage per accident.

There are other coverages available and we would be more than happy to find the right coverage for you. Give Peterson & Grantham Insurance a call to get your FREE automobile insurance quote. We are here for all your insurance needs. You may also be interested in getting your insurance bundled to save you even more money. Click HERE to learn about our insurance bundles.

Proof of Financial Responsibility in The Woodlands

Insurance companies provide policyholders with a proof-of-insurance card in The Woodlands. Drivers must show a current card when they are:

  • Asked for it by a police officer,
  • Are involved in an accident,
  • Register a car or renew its registration,
  • Get or renew a driver’s license
  • Have their car inspected

If you are involved in an accident, you should ask the other driver for his or her insurance information and write down this information before leaving the scene of the accident. Always call 911 after a car accident, regardless of how serious the accident was. This is just a common practice to have the accident on record. 

Penalties for Violating Texas Insurance Law

The penalties for violating Texas financial responsibility laws are as follows:

  • First offense: fine of $175 to $350
  • Additional offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your car
  • Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both
  • Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both

Automobile Insurance with Accidents

No matter how carefully you drive, accidents can happen. Even the most defensive of drivers who pay careful attention to the road can be at fault for an accident, as other factors such as bad weather, sudden loss of control, and distractions inside the vehicle can cause a crash. When an accident happens, your first instinct is to assure that you and other people in the car aren’t hurt. Once you assess the damage, you will probably have to consider the fact that the accident will make your insurance rates rise. Most local car insurance companies in The Woodlands, Texas will label almost any driver that has caused a wreck as high-risk. Finding low auto insurance quotes or a new insurance company after being involved in an accident isn’t always easy, but there are several ways to do so.

Look Into the Past to Consider Future Quotes

Before you look for a new insurance company in The Woodlands, Texas that can possibly offer you a lower rate, you need to consider your existing driving record. Was this the first time you were involved in a wreck? If not, were you at fault for the previous accident or not? Did you ever receive a ticket for a moving violation in The Woodlands, Texas before you had the accident? Even if you were at fault for the accident, if your record has been cleaned up since, then, you may still be able to find a low quote.

While competitive quotes for auto insurance are not as easy to find after a wreck, it is not impossible. How many times, if any, have you been ticketed for a moving violation? If you have been a good driver up until now, your chances are better that you will still be able to find competitive car insurance quotes. Have this information ready before you check out quotes online or talk to our insurance agents. By having access to your past driving record and its details, an agent can ascertain whether or not he or she can offer you a lower quote, even if it was found that you were at fault for the crash.

Be Honest About Current Automobile Insurance 

Any auto insurance quotes you get after an accident will be higher than those you have had in the past; there is little doubt of that. However, discussing the accident personally with a The Woodlands, Texas insurance agent may be more helpful than you think. Make sure that you have gathered all of your information, such as the police report and any other helpful information. When you talk with the agent, discuss the accident with frankness, and be honest. If the agent asks you questions about why you were found at fault, don’t react defensively. He or she needs to understand all of the factors that caused the accident, even if it was something as minor as a momentary distraction.

Not every agent will be able to offer you auto insurance quotes right away, and they might need to contact their main offices with your information before you’ll be able to find out what kinds of premiums he or she can give you. Be patient; while the process may be frustrating, keep in mind that your The Woodlands, Texas agent is doing his or her best to get you an affordable rate.

Saving Money in the Aftermath

If the worst should happen and you aren’t able to get premiums you can afford after the accident, there are still several ways that you can save money. For example, if your new or existing auto insurance agent cannot offer you low premiums or you are forced into a higher one, you can make a number of changes to your existing policy in order to make up the difference. Consider lowering your premium by raising the deductible, especially if you haven’t finished paying off your vehicle.

Accidents happen, even when you’re a good driver. No one can ever predict what might take your eyes off the road, and when it does cause an accident, this doesn’t mean that you’re doomed to high insurance premiums. Our insurance agents may be able to offer you competitive rates, no matter what your circumstances, especially when you take your time to speak to more than one agent in the area and are honest with them about how the accident happened. While this is a process that may take a bit of time, finding the right agent and looking for other ways to save money with your existing policy are both ways to keep your insurance costs low.

Even if you have to live with that blemish on your driving record, a car accident doesn’t have to derail the rest of your life or put the car insurance coverage that you need out of your reach. Follow us on Facebook to see what’s new with Peterson & Grantham.