Some purchase auto insurance plans in San Antonio, TX and never look back. There are many benefits associated with paying your monthly premium on time. You can, however, benefit from having auto insurance, even more, when you monitor your insurance rates and upgrade as necessary. The agents at Versatile Insurance Planners can help you determine when it is time to update your coverage so that you are fully protected. 

What makes a good insurance policy?

The best auto insurance policies meet the state’s minimum requirements while also protecting your personal finances from detriment in the instance of an accident. Texas is not a “no-fault” state, which means that drivers are expected to take responsibility for damages they cause in an incident. 

At a minimum, drivers should show proof of at least $30,000 per person worth of coverage for bodily injuries ($60,000 per accident). Drivers should also provide proof of property coverage that pays at least $25,000 per accident. 

In addition to the state minimum, San Antonio TX drivers should also consider uninsured motorist protection along with higher policy limits. Choosing higher policy limits raises the monthly premium, but such an amount may prove beneficial if you have an accident that causes substantially more damage than the state’s minimum requirements. 

When is it time to upgrade?

You should consider upgrading your policy if you have purchased a new car. It may be necessary to increase your policy’s limits to accommodate the new purchase. You should also consider an upgrade if you add a teen driver or have recently moved. 

There are times when an upgrade to your policy alone is not enough. It is during these times that you may want to consider going with another provider altogether. The agents at Versatile Insurance Planners can help you find an auto insurance plan that best fits your lifestyle. Call them today if you need to upgrade your indemnity plan.