Auto Insurance, Car Insurance - Georgetown, Austin, Round Rock, TX

Auto Insurance

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Auto Insurance Information

What is auto insurance?
Auto insurance or car insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the car insurance premium and the insurance company agrees to pay your losses as defined in your policy.

Car insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most car insurance policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the car insurance policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
To learn more about auto coverage, check out this interactive tool from Travelers.

Contact Us to Discuss Your Unique Car Insurance Needs

At Evans, Ewan & Brady, we have been helping drivers, from young to old , compare auto insurance quotes for Central Texas, TX since 1928. By carefully reviewing your specific insurance situation, we work to help you select a policy that:

  • Meets and exceeds state requirements
  • Provides protection for serious accidents and losses
  • Protects you against expenses for damage caused by uninsured motorists
  • Covers all of your vehicles, including cars, motorcycles, boats and RVs
  • Offers the options you desire, including glass coverage, unlimited towing and rental and locksmith benefits
  • Is affordable, and offers the best available discounts, including multi-policy savings and reductions for airbags and other safety and security equipment
Working closely with clients in the Georgetown, Austin, Round Rock, Killeen and Pflugerville areas, our agents will gather multiple quotes for policies that meet your needs and help you review each of the offered plans. We take great care to offer the information and advice you need to understand the benefits offered by each policy, as well as the coverage you will receive. Among the many benefits of working with our independent agency is the ability to compare car insurance quotes for Austin, TX, with one call. We also help you ensure that any policy you choose provides the best available benefits and comes with the lowest possible rates. Request a quote online or call 512-869-1511 to discuss your needs with one or our friendly agents. To have a member of our staff call you, contact our Georgetown, Texas, car insurance agency online