Drivers have a variety of options when it comes to choosing an auto insurance policy.  At Morning Star Agency Insurance Services, we work with the nation’s top insurance carriers to ensure you are getting a quality auto insurance policy at a great rate, without sacrificing the coverage that you need.

Every motorist is financially responsible for damages or injuries that they might cause in a car accident. To register your vehicle, you may be required to provide proof that your auto insurance policy meets the minimum coverage requirements. Insurance laws require that each driver carry a certain level of liability insurance. Both bodily injury liability and property damage liability are mandatory on every policy. These two types of liability insurance will cover damages or injuries to others and their property if you are responsible for an accident.

California Minimum Auto Insurance Requirements

• Bodily Injury Liability: $15,000 per person and $30,000 per accident.
• Property Damage Liability: $5,000 for a single incident.

Arizona Minimum Auto Insurance Requirements

• Bodily Injury Liability: $25,000 per person and $50,000 per accident.
• Property Damage Liability: $15,000 for a single incident.

Nevada Minimum Auto Insurance Requirements

• Bodily Injury Liability: $25,000 per person and $50,000 per accident.
• Property Damage Liability: $20,000 for a single incident.

Texas Minimum Auto Insurance Requirements

• Bodily Injury Liability: $30,000 per person and $60,000 per accident.
• Property Damage Liability: $25,000 for a single incident.

The auto insurance you are required to carry by law is designed to protect others and their property. Liability coverage doesn’t offer any protection for you or your property. Optional coverage is available to protect the investment you have made in your vehicle and to cover various accident-related expenses. These coverages can include collision coverage, comprehensive coverage, loan/lease gap coverage, roadside assistance/towing coverage, rental car coverage, uninsured/underinsured motorist coverage, and more. The most common additions to most auto insurance policies are collision coverage and comprehensive coverage.

Collision coverage will offer protection for your vehicle if you are in an accident and are the responsible party. Your bank or lender will most likely require that you carry collision coverage if you have financed or leased your vehicle. Collision coverage will lose its value as your car ages and depreciates. For some drivers, it may make sense to cancel collision on older vehicles that have depreciated significantly. We can help you decide if collision coverage makes sense on your policy of if you may benefit more from other types of coverage.

Comprehensive coverage on the other hand, protects your vehicle from damage caused by something other than a collision. The types of damage that are covered under comprehensive coverage would include things such as vandalism, fire, theft, natural disaster, and similar non-collision related damage.

Whether you are a driver residing in California, Arizona, Nevada or Texas, give us a call at Morning Star Agency Insurance Services at (866) 546-5598.  We will work with you to find the best coverage at the lowest rates!