In Plano, TX drivers are required to have basic liability insurance. The dollar amount is $30,000 per person with $60,000 total for each accident. The coverage also must include $25,000 for damage to property. This is known as 30/65/25 coverage. For some people, having basic coverage may be just what is needed to protect them but when basic auto insurance is not enough you may want to talk to Paragon Independent Insurance Agency about the other auto insurance options that are available.
If you have any assets, having basic auto insurance just may not be enough. Basic liability insurance does not offer enough protection if you own a home, condo or just about any other assets. You may want to consider upping the limits and even getting an umbrella policy. If your car has a loan or is relatively new you may want to have some other coverage as well. If you have a car loan, your lender may require that you have more than basic coverage.
Collision
If your car is damaged and you are at fault then it will fall to you to make the repairs or replace your car if it is beyond repair. If this would be a hardship, collision insurance offers the protection that you need.
Comprehensive
Comprehensive insurance is non-collision coverage. It includes theft of the vehicle and glass coverage as well as other things that are beyond your control suck as tree limbs falling on your vehicle.
When basic auto insurance is not enough and you live in or near Plano, TX you are lucky to have the knowledgable agents at the Paragon Independent Insurance Agency to turn to for any information that you need. Why not stop by or give the office a call and get a no-obligation quote for whatever auto insurance that you need.
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