Auto Insurance

Local Auto Insurance You Can Trust

There is no such thing as a “one size fits all” car insurance policy. Although each state sets legal minimum requirements for auto insurance, carrying only minimum liability coverage can result in hardship in the event of an accident. The experts at Integra Insurance Group can help you find true value in an insurance policy that not only meets the legal requirement but also helps you get back on the road as swiftly as possible when an accident occurs.

Types of Vehicle Coverage

The types of car insurance available to you depend in part on laws governing your state of residence. Integra covers customers in both Louisiana and Texas. Texas requires all motorists to carry PIP or personal injury protection coverage to pay for medical expenses resulting from an accident. The state of Louisiana requires basic medical liability coverage but not PIP.

Regardless of your state of residence, you have certain options concerning the type and amount of auto insurance coverage you carry. Integra agents write policies that commonly include

• Liability coverage to pay vehicle damage and medical coverage for individuals in a vehicle that you hit
• Collision coverage to pay for accident-related repairs to your automobile, up to the fair market value of the vehicle
• Comprehensive coverage to pay for repairs for damage not caused in an accident. Hail, fire, theft and other factors are commonly covered.
• Uninsured/underinsured motorist protection to pay for damages caused by a hit-and-run or a motorist not carrying sufficient insurance.
• Rental reimbursement to pay for a rental car while your vehicle is being repaired after an accident.
• Towing coverage in case your vehicle needs to be towed.
• Roadside assistance in the event your car breaks down during a commute or other trip.

Other Car Insurance Options

Integra works with a variety of insurance carriers in order to provide the best coverage options to each individual customer. We’ll do the research to find a carrier who meets your auto insurance needs. When writing your policy, we’ll take into account

• The make and model of your vehicle
• Your usual number of passengers
• Age and number of drivers for each vehicle
• Replacement value of your vehicle
• Age of the vehicle
• Amount owed on the vehicle
• Average mileage driven
• Other factors affecting your vehicle coverage needs

Get your free online quote today. If you have questions about auto insurance, call our offices for details. We look forward to serving you.