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Garfield Car Insurance

Garfield car insurance gives motorists peace of mind that a car accident won't derail their savings and future goals. Without Austin car insurance protection, Garfield drivers are at risk of losing it all. The rising cost of medical care, more expensive vehicles and eagerness of some people to sue makes car accidents more expensive than ever, and a single collision can cost tens of thousands of dollars. Don't get stuck footing the bill. Rely on Garfield auto insurance to protect your assets.

Garfield is a census-designated place east of Austin. Garfield lies right along one of the major highways passing through the Texas state capital, and many people commute for work and recreation in and out of the city. Accidents happen to even the safest drivers, and Garfield car insurance helps prepare you for the unexpected. In towns like Garfield, many people are sending their teenagers out onto the road for the very first time. Talk to your Garfield agent about developing a plan to protect your whole family.

Insurance for Your Teenage Driver

The day they turn 16, teenagers are chomping at the bit to get on the road. They have the license and the car, and maybe even a driver's education class under their belts, but they aren't ready to go until they have car insurance. Teenagers are some of the most collision-prone people simply because of inexperience and poor driving habits. You can't protect your child from every danger on the road, but you can make sure that you aren't spending his college fund on car repairs. Adding your teenager to your Garfield car insurance policy is simple, so don't put it off.

Every TX driver is required to carry liability coverage. The minimum limits are $30,000 of bodily injury liability per person, $60,000 of bodily injury liability per accident and $25,000 of property damage liability per accident. This covers the other driver if your teen is at fault for a car accident. Beyond liability, policyholders can customize what sorts of coverage they want.

For teenagers, comprehensive coverage is a wise investment. When they hit the mailbox, back into a tree or leave the windows open during a thunderstorm, comprehensive will pay for the non-collision-related damage. If the car is worth more than $5,000, collision is also worth buying. Collision coverage pays for the at-fault driver's auto repairs, while liability covers the accident victim. Finally, if your teenager isn't already covered by heath insurance, he will need medical payments coverage to pay for medical bills after an accident.

Insuring teenagers is very expensive because they tend to be in more accidents, but there are ways to keep your costs down. Many Garfield automobile insurance companies in Texas offer discounts for students who make good grades and teenagers who have passed driver's ed. Buying your teen a vehicle with good safety ratings and low repair costs is also a money-saver.

You may be tempted to choose a high deductible to lower your monthly payments, but give your teen time to prove himself first. You must meet that higher deductible each time you make a claim, which could be frequently with an inexperienced driver on your hands. Until you know how responsible and skilled your child is behind the wheel, paying a bit more each month in return for a low insurance premium could benefit you in the long run.

Uninsured Motorist Protection

Though TX law requires all drivers to carry liability coverage, the reality is that many do not. In fact, Texas is ranked ninth in terms of the most uninsured drivers. [1] This number tends to be even higher in large cities like Austin, so it is paramount to take extra precautions. Your Garfield vehicle insurance liability coverage is only useful when you cause an accident. Get hit by a motorist without insurance and you'll either be suing or paying the bills yourself.

Garfield car insurance agents must offer you uninsured motorist protection, and you must decline in writing if you choose to forgo it. Experts recommend all drivers carry uninsured motorist protection (UM), though, so consider adding it to your policy. If you are involved in a hit-and-run or the at-fault driver simply isn't covered, your UM will cover your medical and car repair bills up to your limit. Your UM limit should match your Garfield car insurance liability limit.

Garfield residents are permitted by law to stack their UM coverage, as long as it is not within the same policy. If you have UM coverage of 30/60/25 on your vehicle as well as a personal UM policy, you can add the values of each for a larger award. But if you have coverage of 30/60/25 on each of your cars, you cannot collect 60/120/50 on an uninsured motorist claim. Talk to your Garfield car insurance agent for more information on stacking and other coverage options.

http://www.thestreetlawfirm.com/lawyer/texas_law_alert/summer_2004/uninsured_motorist.html Retrieved 2012-01-30

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