As a vehicle owner in Amarillo, TX you know how important it is to have a vehicle at your disposal. Getting around or just getting to work is very difficult if you aren’t able to drive. In Texas you don’t need to carry collision and comprehensive auto insurance, you only need to carry liability insurance. This protects other people from you in case you are the responsible party in an accident but it doesn’t help you to get your own car fixed. At Nest Insurance Agency we have our roots in the Texas panhandle and we are committed to making sure we meet the needs of our clients. 

While you may not need to carry collision and comprehensive auto insurance if you count on your vehicle it is something that you should carry. Imagine having to use Uber to get to work or a cab and having to get groceries delivered. For most people, having a vehicle is a necessity. What you get with collision and comprehensive auto insurance is the money to replace or repair your vehicle and to have a rental car while your vehicle is being repaired. 

Collision insurance is what it sounds like, coverage if you are in a collision with another vehicle. If the other driver is responsible their insurance will pay but if you are at fault it is your insurance that pays. Depending on how new your car is, this can be thousands of dollars. 

Comprehensive coverage protects from damage caused by things other than a collision with another vehicle. It covers weather damage, vandalism and even theft. If your car is caught in a flood, hailstorm or high winds, lots of damage can be caused. 

If your vehicle has almost no value then you don’t need collision and comprehensive insurance but for everyone else, it is a very good idea. Our agents at Nest Insurance Agency in Amarillo, TX would love to talk to you about your auto insurance needs. Stop by or give our office a call for a no-obligation quote.