Buying car insurance sounds like a simple task until you realize how many details are associated with the process.

A mistake could cost you time and money, especially if you’re injured in a car accident down the line. And for that reason, it’s critical that you find and buy the right car insurance (not just any insurance).

Steps to find the right car insurance to protect you in an accident

No two people take the exact same approach to searching for and buying car insurance, but there are some basic steps that everyone can benefit from.

Here are five steps that you should take:

Step 1. Shop online

There used to be a time when shopping for car insurance meant calling agents and/or brokers on the phone. This was time-consuming and stressful. 

Fortunately, you now have more control over the process than ever before, thanks to the ability to shop and buy online for the right car insurance.

It doesn’t matter if you shop on individual agency websites or use an online broker, you’re sure to end up with all the information and quotes you need to make an informed and confident decision. 

Step 2. Compare three to five car insurance companies

Most consumers don’t consider it fun or exciting to shop for car insurance. It’s something they know they need, but the last thing they want to do is actually shop for the right car accident coverage. 

Unfortunately, this often leads to purchasing the first policy that you come across. This may work out in the long run, but it could also be a big mistake.

To protect against this, compare a minimum of three to five car insurance companies and accident coverage policies. When comparing, ask questions such as:

  • What is the reputation of the car insurance company?
  • What type of car accident coverage are they offering?
  • What’s the monthly insurance premium?
  • Do you qualify for any discounts? 


As you ask these questions, it becomes clear as to which car insurance company and accident coverage policy will best suit you, your vehicle, and your budget.

Step 3. Understand the different types of car insurance coverage in Texas

Some people buy the absolute minimum amount of car insurance coverage allowed by Texas law. Others realize that it’s important to purchase a more comprehensive policy.

Making a smart decision starts with understanding the different types of car insurance coverage available in Texas:

  1. Liability Coverage
  2. Uninsured and Underinsured Motorist Coverage
  3. Comprehensive Coverage
  4. Collision Coverage
  5. Medical Payments Coverage
  6. Personal Injury Protection (PIP)

Start by understanding the minimum car insurance coverage requirements in Texas. Then, decide if that’s enough to allow you to comfortably operate your vehicle. There’s a very good chance that you’ll realize you need a more comprehensive policy to help you feel more prepared for any accidents and resulting injuries. 

Step 4. Ask questions

Once you narrow down your choices and have a better idea of which car insurance company is best, it’s time to reach out directly to ask questions.

You can contact your local agent or call the car insurance company’s customer service line. Either way, you want to speak with someone who can answer your questions, address your concerns, and help you decide what to do next.

Here are the types of questions you should ask when contacting an agent:

  1. What type of coverage do you suggest for my vehicle?
  2. Do you offer any discounts to make the premium more affordable?
  3. Are there any additional types of coverage I should add for peace of mind?

If it’s on your mind, it’s a question you should ask. Take your time and ask all of your questions, as leaving anything out can make the insurance claim process difficult in future car accidents.

Step 5. Review the details

The last thing you should do before making a purchase is to review the details of the policy.

Do you have any last-minute questions? Is there something you want to add or remove? Is there a condition that you’re not happy with?

Don’t wait until after you purchase a policy to review it. The time for taking a close look at the terms and conditions is before you sign on the dotted line.

Maximize your accident protection with the right injury attorney

Johnson Garcia LLP Houston personal injury lawyers offer a free consultation to answer all your accident claim questions.
Johnson Garcia LLP Houston injury lawyers offer a free consultation to answer all your accident claim & settlement questions.

There’s no way to guarantee your safety as a driver, so it’s important to do three things:

  1. Take precautions to avoid the most common causes of car accidents in Texas
  2. Carry a high level of car insurance coverage
  3. Contact our Houston car accident attorneys


If you’re injured in a car accident, regardless of the cause, it’s important to receive medical treatment. This will help stabilize your health while giving you a clear idea of what you’re up against as you recover.

As soon as you’re able, you should also consult with a Houston personal injury attorney to learn more about your legal rights and how to receive compensation for your damages. 

Johnson Garcia LLP Houston injury attorneys will aggressively pursue maximum compensation for your damages, including your injuries, property damage, and lost wages. Give us a call today to schedule your free consultation.