Auto Insurance in Houston, Texas

Auto insurance Houston, TX

AJ Morales is here for you! Whether you are in the market for a new policy, a lower rate or a bundle; allow our insurance professionals to hunt for the best insurance rate. Our team may be able to save you money and headaches on your auto insurance; especially if you consider bundling your car insurance with a home insurance policy.

*The best service an auto insurance or car insurance agency can offer.

Our agents work hard to ensure you are provided with a detailed explanation of the coverage you are purchasing while you are still making a decision. We offer great coverage, and we like to do so at a great price. This is part of the service that makes AJ Morales Insurance unique.

*Dependable auto/car insurance quotes

There is an overwhelming number of auto/car insurance choices out there; don’t tackle this job alone!  Allow the insurance professionals at AJ Morales do the work for you. We represent several insurance carriers and create a personalized search based on your specific needs. Our agents then assist you with rate and company comparisons, discounts and flexible payment plans. Get your quote today!

You should be familiar with the terms below as they compose an insurance policy from the most basic to a complete “full coverage” with personal benefits.

Auto Insurance Coverage Options in Houston, Texas

Liability Coverage

Pays for injuries you cause to third parties and damage to property when you are at fault in an automobile accident. The minimum requirements in Texas are set at $30k max for bodily injury per person, $60k max bodily injury per accident and $25k for property damage. You may purchase higher limits to better protect yourself.

Medical Payments

Pays medical expenses (up to a determined dollar amount you purchase) for you and your passengers, when injured in an automobile accident. No matter who is at fault.

Personal Injury Protection (PIP)

Pays for medical, rehabilitative, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/underinsured Motorist Coverage

This pays if you are injured by a person who is completely uninsured or doesn’t have enough liability insurance to cover your injuries. It also covers you if you are victim of a hit-and-run incident.

Comprehensive (other than collision) and Collision. These types of coverage protect your vehicle, if you have an auto note to pay you may be required to purchase these at a determined deductible amount set by the interest holder.

Comprehensive coverage covers other perils other than collision caused to your car. These events include but are not limited to fire, theft, flood and vandalism.

Collision coverage insures you in case your vehicle sustains damage caused by impact.

Comprehensive and collision coverages include a deductible, which range from $100.00 up to $2,500.00 (depending on what the insurance carrier may offer). When you file a claim for damage, the insurance company pays for the difference in the damages of the deductible you selected.

Optional coverages

Includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required. Some may require your vehicle hold comprehensive and collision in order to purchase.

How much coverage do I need?

Choosing the appropriate level of auto insurance coverage depends on a number of factors. Some may include assets you must protect, value of your vehicles, the amount of money you are prepared to pay out of pocket at any time you should have an accident, and your level of risk.

Frequently Asked Questions about Auto Insurance

Who has the cheapest auto insurance?

No one company always offers the cheapest auto insurance. You should shop your auto insurance with an independent agent so they can quote you multiple companies at once so then you can compare coverage and pricing that suits your needs and budget.

What insurance is required for a car?

Typically, liability insurance is the only required insurance coverage. Beyond that, if you have a loan on your vehicle your lender will require you to carry full coverage on the vehicle until it is paid off.

Who has the best auto insurance?

The best auto insurance is the company that has the best coverage and pricing for your situation. No one company offers “the best car insurance.” It is purely dependent on your needs, budget, and coverage requirements.