Auto Insurance
Auto insurance is designed to protect you, passengers, other motorists, pedestrians and your automobile from damage and financial liability related to auto-related accidents. Choosing a reliable auto carrier can often be made difficult by confusion related to both the limits of your auto insurance policy and optional coverage. At Ritz Insurance, we will take the time to explain coverage and advise you to which policy fits your needs and risk level.
In the State of Texas, drivers are required to maintain minimum auto liability insurance requirements usually in the form of a split limit auto policy.
Minimum auto liability limits required in the State of Texas are:
Bodily Injury
- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident
Property Damage
- $25,000 for any one accident
Several factors influence the expense of auto insurance to drivers. These factors include but are not limited to:
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driving record--Accident-free drivers will enjoy better rates than those who frequently have auto claims.
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creditworthiness—Drivers with good credit usually are awarded better rates.
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value of automobile--The greater the value of the car, the greater the auto premium.
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type of car driven—High capacity or large vehicles typically cost more to insure.
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coverage purchased--Coverage like rental and towing, roadside assistance, and personal injury protection will escalate insurance rates.
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where you drive--Risks to automobiles are regionally specific.
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how much you drive--The more miles driven, the greater the possibility of an accident-related loss.
Don't just take our word for it...
“Ritz Insurance increased my coverage and saved me $400 per year when I switched from one of the big boys. It was so quick and easy.”—L. Hill, Alvin, TX
Call 979-848-3000 today for a free auto insurance quote and get covered today for a great rate!