Auto Insurance in New Braunfels, TX

Your Guide to Car Insurance in New Braunfels, Texas

Home to nearly 80,000 people, New Braunfels, TX is located near San Antonio and is home to the Guadalupe and Comal rivers. When you're heading out to spend a day among the 1800s-era German buildings in the Gruene Historic District or heading to the Natural Bridge Caverns to walk the underground limestone caves, remember the importance of your auto insurance. Car insurance New Braunfels is a requirement regardless of whether you're out having fun on the weekend or running errands after work on a Wednesday. The proper policy protects yourself, your vehicle, and other people when you're on the road.

Accident History in New Braunfels

In the last few years, accident reports in New Braunfels, TX have seen a vast ebb and flow. While there was a steep rise between 2015 and 2016, there was also a major decline in accidents between 2016 and 2018. These days, the city sees about two injury accidents per day. While few accidents in the city are fatal to people, the same can't be said for vehicles. A totaled car is an expensive car, especially if you don't have the proper insurance coverage. Remember, even if you are a good driver with no accidents in your history, you can't trust that other drivers are the same. From distracted driving to misunderstandings of road laws, there are dozens of reasons a wreck can occur. Protecting yourself and your vehicle with car insurance New Braunfels is the only option. 

Texas Penalties for Driving Without Insurance

Drivers in the state of Texas are required to carry insurance. At a minimum, you must have liability coverage for at least $25,000 in property damage and at least $30,000 per person or $60,000 per accident for personal injury bills. Depending on how you purchased your car, you may need to carry additional coverage. Many lenders require borrowers to carry comprehensive insurance and collision coverage above the state minimum. Despite the law, as many as 20% of drivers are without car insurance New Braunfels and at risk of being penalized if caught.

The severity of the penalty for driving without insurance in Texas depends on how many times you've done it.

• First Offense —The first time you're caught driving without insurance will cost you at least $175 and could cost as much as $350.
• Second Offense —If you are caught driving without insurance a second time, you'll pay at least $350 and as much as $1,000.
• Additional Offenses —Additional offenses can cost as much as $1,000 and often result in an impounded vehicle and the loss of your license.

Protecting Yourself and Your Vehicle

To best protect yourself when you're on the road, consider your options beyond the state minimum for insurance coverage. Even if you only purchase a liability policy, experts recommend it be worth much more than is required. Consider one that covers up to $100,000 per person or $300,000 per accident.

Shop other car insurance New Braunfels, TX options as well. At VIU by HUB, we want to ensure you have the best protection for your time on the road. We provide a range of services.

• Affordable deductibles
• Protection against underinsured or uninsured motorists
• Full glass coverage
• Towing and labor options
• Rental car coverage
• Worldwide liability policies

This information is intended for general informational purposes only and is not intended to constitute legal advice.