Full coverage auto insurance is a term that’s very common.

But it doesn’t actually mean one type of insurance. Full coverage is a combination of the state’s limits of liability, plus comprehensive and collision.

Now, what is liability, comprehensive and collision, you ask? Keep reading!

Firstly, liability insurance covers the bodily injury and property damage to the other party involved in a loss you cause.

Then we have comprehensive coverage that takes care of vandalism, theft, and other damages not related to a collision.

Lastly we have collision coverage. Collision coverage pays for damages to your own vehicle if an accident occurs.

So what’s next? Time to get insured with Payne Insurance!

Seriously? Are you asking yourself why you need insurance?

Because there are so many uninsured drivers on the road, you don’t want to take a risk– especially with your family buckled in the backseat. Rather, you need to be prepared for the unexpected.

So what kind of insurances options are there?

Due to so many unexpected occurrences that can happen, there are several different types of insurance types, such as life, auto, home, and commercial. The most commonly used is auto insurance.

To keep our roads safe, the state law requires minimum limits of liability for automobiles.

So what is the minimum limit of liability, you ask? In Texas, its 30,000/60,000/25,000. This is usually referred to as 30/60/25.

Furthermore, if you carry these limits on your auto policy, that means you have $30,000 per person, $60,000 per accident, and $25,000 for property damage.

Still got more questions? That’s okay! We have insured agents standing by to answer any questions you may have!

So many insurance options, why Payne Insurance Group?

Because Payne Insurance Group has dedicated their time and knowledge to helping those around us, our customers always leave extremely excited.

To mention, Payne Insurance Group has partnered with over 13 businesses across the Rio Grande Valley, As a result, we have created a one stop shop for all your automotive needs. Purchase, insure and repair.

For almost 70 years the Payne Auto Group has been a pillar of the development of South Texas and will continue to do so for many decades to come.

Since the the Payne family has such a strong understanding of the automotive process, the importance of being insured and the importance of family, you are in good hands with us.

So what are you waiting for? Give us a call today or send us an email.