Learn more about car insurance policies and get a free quote from one of the agents here at Sergeant Fifty Five.

What is Car Insurance?

Driving is an everyday occurrence that people give little thought to, but it’s important to consider the risks that come with getting behind the wheel. Defensive driving, seatbelts and other safety measures should be taken to avoid an accident. If you’re ever in one, though, you’ll want car insurance from a Texas insurer too.

Car insurance offers customizable protection for your vehicle, your passengers and yourself. A combination of property and liability coverages are typically included.


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What Texas residents need auto insurance?

All drivers who operate vehicles on public roads generally need auto insurance. Texas requires minimum levels of coverage, and getting more is often wise.

The minimum required coverages include injury liability coverage and property damage liability coverage. You need injury liability totaling at least $30,000 per accident and $60,000 per accident. Property damage liability must have a limit of at least $25,000 per accident. Sometimes you’ll see these requirements shortened to 30/60/25 auto insurance.

A maximum of $85,000 in combined injury and property damage protection can quickly be exceeded if you’re in an accident. Causing a pileup on the freeway, colliding with a tractor-trailer, or hitting an exotic vehicle could easily exceed these basic requirements.

For that reason, many drivers choose to carry more coverage than what’s minimally required. An insurance agent can help you decide how much injury and property damage is right for you.

What protections can drivers get through auto insurance policies?

Auto policies normally come with the required coverages, as well as many more optional ones. Some of the coverages to consider include:

  • Bodily Injury Coverage: Might cover injuries to people outside of an insured vehicle
  • Personal Injury Protection: Might cover injuries to the driver and passengers
  • Medical Payments Coverage: Might cover medical costs of injuries to driver and passengers
  • Property Damage Liability Coverage: Might cover damage to other vehicles or property
  • Collision Coverage: Might cover damage to the insured vehicle occurring during a multi-vehicle collision
  • Comprehensive Coverage: Might cover damage to the vehicle occurring during other incidents
  • Uninsured/Underinsured Motorist Coverage: Might cover accidents caused by uninsured drivers
  • Gap Coverage: Might cover the difference between a lease/loan’s balance and the vehicle’s value

Personal injury protection is commonly abbreviated as PIP, and uninsured motorist may be UM. Comprehensive may cover incidents such as theft, vandalism, falling trees and hitting animals, depending on a policy’s specific terms.

Is Texas an At-Fault or No-Fault State?

Texas is an at-fault state. This usually means that whoever is deemed responsible for an accident is thus responsible for any damages or injuries injured. In other words, victims can normally hold the guilty party responsible for accidents.

In the event of an accident, insurance companies usually sort out which party is responsible for paying.

What can drivers do to save on auto insurance?

Insurance companies offer many discounts that give drivers premium discounts on their auto policies. Although what’s available can vary, multi-policy, loyalty, safe driver, car alarm, pay in full, paperless billing and low-mileage discounts are frequently available.

Additionally, drivers can compare policy options with an independent agent. Independent agents have the freedom to request customized quotes from multiple insurance companies, and they have the expertise necessary to compare both protections and premiums.

How can drivers get car insurance?

For help finding car insurance in Texas, contact the independent insurance agents at Sergeant Fifty Five. Our agents will work closely with you to determine coverage needs, and then we’ll help you select the best policy from among the available options. With our assistance, you can get insurance that’s affordable and will also have you well protected.




(469) 214-4200


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9:30am - Noon



Come see us at our office:

2951 W. 15th Street,
Plano, TX, 75075