Staying Cool and Covered: Auto Insurance Essentials for Texas Summers

Texas summers can have triple-digit heat and sudden storms, which may increase your risk of accidents and vehicle damage. Stay financially prepared for this season’s challenges with the help of auto insurance.

Summer Auto Insurance Checklist for Haltom City, TX Drivers

To avoid costly surprises, take time to review your current coverage. Here’s a checklist to help you prepare for the season:

• Keep liability coverage up to date—Texas requires drivers to show proof of financial responsibility, often met by carrying minimum liability insurance. Your agent may recommend carrying more than the minimum required coverage amount.
• Add or verify collision coverage—This may cover damage to your car from accidents with other vehicles or objects, regardless of fault. It’s a vital consideration during summer trips or crowded city drives.
• Consider comprehensive coverage—Summer storms, hail and theft can leave you with out-of-pocket expenses. Comprehensive coverage may help pay for damage unrelated to collisions, such as flood damage or broken windows from a break-in.
• Add roadside assistance—Heatwaves increase the chances of tire blowouts and overheated engines. Roadside service can help if you’re stuck on the shoulder in sweltering conditions.
• Update vehicle information—Report any changes to your insurer, including a new car, custom upgrades or different daily mileage. These can affect your premium and coverage needs.
• Ask about rental reimbursement coverage—If your car needs repairs after an accident, this optional coverage may help pay for a rental.

Haltom Insurance Agency can help review your auto insurance before your summer trips begin. Contact us today for a quick policy checkup and coverage options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.