Paragon Independent Insurance Agencies - Temple, TX Office

Every year, numerous drivers and homeowners face the challenge of finding a reliable insurance policy. Navigating through insurance company terminology and evaluating various companies, each offering different policy options, can sometimes feel more daunting than obtaining your driver's license or purchasing your first home. While you can compare quotes online, the question is: where to begin?

Need to know: Car Insurance

In April 2013, the minimum auto insurance requirements in the state of Texas were raised. Texas drivers are now mandated to carry a minimum of $30,000 worth of insurance for each injured person, up to $60,000 per accident, and $25,000 of property damage insurance per accident.

However, opting for the cheapest policy that meets the State of Texas minimum requirements isn't a wise decision. While not all add-ons are necessarily worth the investment, the following add-ons are smart choices that could potentially save you thousands in a worst-case scenario.

• Uninsured Motorist: Protects you if an uninsured driver causes personal injury or damage to your vehicle.
• Roadside Assistance: For just a few extra dollars a month, roadside assistance ensures you get a tow, assistance if you lock your keys in the car, if your battery goes dead, or get you help putting on a spare tire if you find yourself stranded.
• Personal Injury Protection: This insurance type covers you in case of injury in an accident where hospital bills exceed the other driver's insurance limit. It also provides coverage in no-fault cases; without it, you could end up covering the bill out of your pocket.

Need to Know: Home Insurance

To discover the best property insurance for your home, your optimal approach is to consult with an independent agency. This allows you to understand the specific insurance needs for your home in Temple, TX. Depending on your property's location, your agent may recommend various add-ons, such as flood or fire insurance.

Avoid being caught without adequate insurance. Take the time to compare quotes with Paragon Independent Insurance Agencies now and identify the best option to safeguard your home.