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Hays and Hagan Insurance

510 E. Brazos Ave STE 3
West Columbia, TX 77486

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Auto Insurance in Texas

For most people, a vehicle is one of the largest investments in life. As such, most of us can't afford to replace our vehicles when something happens to them. Instead, you need a good West Columbia, TX auto insurance policy from Hays and Hagan Insurance.

Is Auto Insurance a Legal Requirement?

There are a lot of reasons you might consider carrying auto insurance for your vehicle, but the biggest reason is you don't have a choice in most states. There are only two states which don't require insurance: New Hampshire and Virginia. In the state of Texas, you're required to carry a certain amount of liability coverage if you want to drive legally. This coverage ensures you can pay for damages to other drivers' vehicles.

If you're caught driving without insurance in the state of Texas, you will face a fine and an increase in your annual driver's license fee. If you're caught driving without a license enough, your license may even be revoked.

The Right Coverage

The toughest part about getting a good auto insurance policy is making sure you have the right coverage. While the state's mandatory minimum amounts of coverage may be enough for some people, you may need coverage that's tailored to you depending on your situation. For example, you may be required to carry full coverage if you recently purchase your vehicle and you're still paying it off. Others may want a classic car policy that covers their car for the amount it's actually worth, not a deflated Bluebook value. In any case, it's important to make sure your auto insurance fits your needs.

No matter what kind of car you drive, you need to make sure you have good auto insurance. The best way to do that is to talk with a reputable agent. If you're looking for auto insurance in West Columbia, TX, call Hays and Hagan Insurance or get a free quote online today.