Garrett Insurance Agency - Main Office
212 Sidney Baker Street S
Kerrville, TX 78028

830-896-6600
Fax: 855-928-2121

Auto Insurance


Auto Insurance Information

Auto Insurance in Kerrville TX & Fredericksburg TX

Vehicle Insurance for Texas Hill Country


Texas law requires every driver to have car insurance. It’s not a question of whether you need a plan, but rather how much protection is right for you.  

Optimized auto insurance benefits will help you cover the costs of wrecks or other vehicle damage, pay your medical bills and respond to accident lawsuits. With the help of the dedicated experts at Garrett Insurance Agency, you can find auto insurance solutions that you can customize to your benefit. 

What is Car Insurance? 

When you drive your car, you will face countless safety risks. Plus, even when you are not driving, your car will continue to be at risk of damage, theft or other hazards. Car insurance promises you financial assistance following unexpected or unavoidable problems related to your vehicle or driving. That way, if you do have a wreck or experience another problem, then you will be able to afford your repair bills and a variety of other costs that might arise from these hazards. 

How Much Auto Insurance Do I Need? 

Your neighbors, friends and even your own family might have auto policies that are very different from your own. You need the car insurance that is best for you, not someone else. 

There are many common types of coverage that might benefit you, including: 


-Liability Insurance: When an accident is your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you. 
-Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits. 
-Property Damage Liability Coverage: Pays for damage to the other party’s property. 
-Collision Insurance: Covers damage to your own vehicle that you sustained in a wreck. 
-Comprehensive Insurance: Coverage pays for damage from non-accident mishaps like 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 and sometimes will cover other losses, like lost income. 
-Uninsured/Underinsured Insurance: 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. 

Plus, there are other perks that you might be able to add to your plan for more customized coverage. These might include: 

-Roadside assistance 
-Rental car reimbursement 
-Custom parts coverage 
-Replacement cost vehicle coverage 
-Vanishing deductibles 
-Gap insurance 

What Car Insurance is Required? 

As an at-fault insurance state, Texas requires all drivers to carry minimum levels of liability insurance. These are: 

$30,000 Bodily Injury Liability Coverage per person 
$60,000 Bodily Injury Liability Coverage per accident 
$25,000 Property Damage Liability Coverage 


Because of at-fault insurance laws, you are responsible for paying for both your own damage and the damage done to others, if necessary. Liability insurance is the coverage that enables you to do so. Therefore, don’t stop with just the minimum coverage limits. Let our agents help you better design your coverage to your advantage.  

We provide car insurance to drivers near Kerrville, Fredericksburg, Boerne, Ingram, San Antonio, and Comfort.