Basic auto insurance is the required amount of insurance the state says you need to have. This is usually liability coverage to protect other people from you and an accident you are responsible for. Which is all well and good but what about your vehicle?  If you live in Friendswood, TX, you can count on the Roberts Family Insurance to provide the auto insurance coverage you need. 

If you have an auto loan, you will need more than just basic auto insurance. You will need to carry collision coverage and comprehensive coverage. The same is true if you have an auto lease. But beyond that, what if you like most people count on your car every day to go about your normal activities, –  what would you do? 

Auto Insurance: Beyond The Basic

Collision coverage

If you have an accident where you are the responsible party, you need to get your vehicle repaired. If you can afford to do that on your own, all is well and good, but most people can’t. If you have collision coverage, it will pay for the repair or replacement of your vehicle minus the deductible. It will also cover you if you are a victim of hit-and-run. 

Comprehensive coverage

Comprehensive insurance covers a variety of different things that can damage your vehicle. If you run into a large animal like a deer, comprehensive coverage is what is needed. If your vehicle is stolen or vandalized, this is what will cover it.  Comprehensive will also cover hail damage, a branch falling on your vehicle, or anything else falling on it, and it also includes glass coverage after a deductible is met. 

If you need your vehicle, you need more than basic auto coverage. 

Contact our team at Roberts Family Insurance in Friendswood, TX when you are ready to discuss your auto coverage. 

Driving is a great way to get around the Friendswood, TX area but it’s important to stay safe on the roads. New drivers often find themselves overwhelmed with all the rules and regulations, so here are some tips from us at Roberts Family Insurance for staying safe as a new driver. 

Safe driving tips for new drivers

First and foremost, always obey the speed limit. It can be tempting to go faster than what’s posted, but that’s a sure way to get into trouble with the law. Stick to the speed limit and avoid risky driving behaviors like tailgating and weaving in and out of traffic. 

Second, make sure you are alert at all times when driving. Avoid distractions like eating or drinking while behind the wheel and never use your phone while driving. Put away any items that could distract you so you can stay focused on the road ahead of you. 

Third, wear your seatbelt at all times. It may seem obvious but wearing your seat belt is one of the most important ways to ensure you’re safe while driving. No matter how short a trip may be, make sure you always buckle up before starting the engine. 

Finally, follow traffic laws and signs at all times. Many new drivers forget laws like stopping completely at stop signs or yield signs, and this can increase your chances of getting into an accident or being ticketed by law enforcement if they witness it happen. Always be mindful of other cars on the road too – try not to cut people off or drive in an unsafe manner that could put yourself or others in danger on the roads. 

Schedule A Consultation Today!

For more tips on safe driving, give us at Roberts Family Insurance a call today. We proudly serve the Friendswood, TX area.