Fort Worth, Texas Auto Insurance
Greater Fort Worth makes up one-half of the Dallas-Fort Worth metroplex, one of the largest combined urban areas in the United States. The massive, growing infrastructure comes from the region’s geographic sprawl and significant population, which is why Fort Worth drivers often face heightened accident risks on local roadways.
To be a safe, responsible Fort Worth driver, you need to have a quality auto insurance policy in place. Without it, you leave yourself open to significant financial losses following accidents and other damaging vehicle hazards.
Fort Worth drivers can rely on Ratliff Insurance to provide them with auto insurance solutions customized to their unique needs. We strive to provide every client with a world-class experience from day one, and our experts will help clients choose the most appropriate and the most cost-effective benefit for their needs.
For more information, or to get your quote, give us a call at 469-232-9970 or apply online now.
Common Auto Insurance Questions
What does auto insurance cover?
Wrecks, vandalism, vehicle theft and severe weather are just a few of the hazards that might damage your car. Liability lawsuits might be part of the result when an accident is your fault. All in all, countless threats could put you and your vehicle in harmful, costly positions.
During these challenging times, you should rely on the benefits provided by your auto insurance. Your policy may cover many of these costs on your behalf, so you won’t have to put your own financial security on the line as you try to move on with your life. It’s an investment you can’t go without.
What types of auto insurance do I need?
Car insurance policies offer numerous benefits, and each works in unique ways to provide you with exemplary benefits. Coverage you will likely need includes:
Collision insurance: This covers the damage to your own vehicle sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Other benefits that can help you further develop your plan to your advantage include:
With our help, you can customize your policy limits, deductibles, endorsements and other coverage terms to your advantage.
How are auto insurance premiums calculated?
The cost of your car is a major factor in the cost to insure it. Other variables contribute to the rate, such as likelihood of theft, cost of repairs, engine size, and the overall safety record of the car. If your vehicle is equipped with high-quality safety equipment, you might qualify for premium discounts.
What auto insurance is required by law?
As an at-fault insurance state, Texas requires drivers who cause wrecks to pay for their own damage costs and the damage and injuries they cause others.
Because you might have a legal obligation to compensate another driver, pedestrian or property owner, the law requires you to buy minimum levels of liability insurance. These are:
$30,000 Bodily Injury Liability Coverage per person
$60,000 Bodily Injury Liability Coverage per accident
Driving uninsured could lead to fines, license suspensions and other penalties. You can increase your liability benefits to offer you more coverage, too. Plus, you can and should invest in the optional benefits like collision, comprehensive and uninsured/underinsured coverage.
Get Started Today
Fort Worth drivers won’t come away disappointed when they choose us to be their insurance provider. So, what are you waiting for? Get in touch with one of Ratliff Insurance’s agents today.