Multi Car Discount Auto Insurance in San Antonio Texas

Reader’s Question:

I have two cars, and they both need full coverage. I insured one car originally. But, I have added the other car to the same insurance policy making it more expensive. Can I insure my cars for the same coverages with different insurance providers in San Antonio?

Jill

San Antonio, TX

You can insure your cars for like insurance coverages with different insurance providers in San Antonio Texas. This may not save you money though. Insurance providers often grant a ‘multi-car’ discount to auto insurance policies that have more than one car on them. This multi-car discount will be applied only to the coverages that apply to both cars. Additionally, many insurance carriers rate the highest risk driver with the highest risk car. If you create two insurance policies, not only are you denying the multi-car discount, but you may also create a situation where the highest risk driver is rated against both cars (instead of being rated against just one car).

San Antonio SR22 Insurance – Minimum Limits

Q: What level of San Antonio SR22 insurance am I supposed to buy? What are the minimum limits?

A: If you want to conform to the San Antonio SR22 insurance laws in Texas, then you need to purchase general liability insurance. Liability includes coverage both for injuries and for property damages. Unlike collision insurance and medical payment insurance, liability coverages will only pay for the damages and medical bills racked up by any victims of a car crash you have caused, and does not apply to injuries or damages you have sustained. Here is a list of required coverage limits for San Antonio SR22 insurance:

• $20,000 for bodily injury liability, which provides for coverage for one person in case of injury or death
• $40,000 for bodily injury liability, which is the BIL limit for the entire accident
• $15,000 for property damage liability, which provides for coverage in case of damage to vehicles, mailboxes, etc.

Granted, although these coverages may be sufficient in many instances, they will not provide the appropriate coverage should you find yourself in a serious accident, so coverage of 100/300/100is preferable.