FINANCIAL PROTECTION ALERT

Full Coverage Auto Insurance Houston

Beyond Minimum: Complete Financial Protection That Actually Covers Your Life

"Minimum coverage is like wearing a paper vest in a gunfight - it looks like protection but fails when you need it most."

The Shocking Truth About "Minimum Coverage"

What happens when your $30,000 liability limit meets a $300,000 lawsuit?

Minimum Coverage Reality

  • $30,000 liability limit - Your home at risk for the rest
  • No comprehensive - Theft, vandalism, weather damage = your problem
  • No collision - At-fault accident = you buy your own car
  • No uninsured motorist - Hit by uninsured driver = you're broke

Full Coverage Protection

  • $250,000+ liability - Your assets stay protected
  • Comprehensive - Weather, theft, vandalism covered
  • Collision - Your car gets fixed regardless of fault
  • Uninsured motorist - Protected from Houston's 25% uninsured drivers

Why Houston Drivers Need Full Coverage

Houston's unique risks make comprehensive protection non-negotiable

Weather Disasters

Houston faces hurricanes, flooding, and severe hail storms annually. Without comprehensive coverage, you're financially exposed to nature's fury.

Hurricane Harvey caused $125 billion in damage. Were you covered?

Uninsured Drivers

25% of Houston drivers have no insurance. When they hit you, your uninsured motorist coverage is your only protection.

1 in 4 Houston drivers can't pay for your damages

Legal Liability

Texas courts regularly award judgments exceeding $500,000. Minimum coverage leaves you personally liable for the difference.

Your home and savings are at risk with inadequate coverage

What "Full Coverage" Actually Includes

Complete protection for your vehicle, your assets, and your peace of mind

Liability Coverage

Protects your assets when you're at fault

  • • Bodily injury: $250,000 per person
  • • Property damage: $100,000 per accident
  • • Legal defense costs included
  • • Asset protection guarantee

Comprehensive Coverage

Protection from non-collision damage

  • • Theft and vandalism
  • • Weather damage (hail, flood, wind)
  • • Animal collisions
  • • Glass breakage

Collision Coverage

Your car gets fixed regardless of fault

  • • At-fault accident repairs
  • • Single-vehicle accidents
  • • Hit-and-run incidents
  • • Rollover protection

Uninsured Motorist

Protection from uninsured drivers

  • • Bodily injury protection
  • • Property damage coverage
  • • Hit-and-run coverage
  • • Underinsured motorist protection

Medical Payments

Immediate medical expense coverage

  • • Emergency room visits
  • • Ambulance services
  • • Rehabilitation costs
  • • No-fault coverage

Rental Car Coverage

Transportation while your car is repaired

  • • Daily rental allowance
  • • Extended rental periods
  • • Comparable vehicle class
  • • No upfront payment required

The True Cost of "Saving Money" on Insurance

Why paying $50 more per month can save you $50,000 in losses

Minimum Coverage Scenario

Monthly Premium:$85
Annual Cost:$1,020

When disaster strikes:

  • • $30,000 liability limit exceeded: -$200,000
  • • Car totaled (no collision): -$25,000
  • • Hail damage (no comprehensive): -$8,000

Total Out-of-Pocket: $233,000

Full Coverage Protection

Monthly Premium:$135
Annual Cost:$1,620

When disaster strikes:

  • • $250,000 liability covers lawsuit: $0
  • • Collision covers car replacement: -$500 deductible
  • • Comprehensive covers hail damage: -$250 deductible

Total Out-of-Pocket: $750

Spending $600 more per year saves you $232,250 in potential losses

That's a 38,708% return on investment in protection

Why Houston Chooses Baxter Insurance for Full Coverage

36 years of protecting Houston families from insurance disasters

36 Years Experience

Protecting Houston families since 1989. We've seen every type of claim and know what coverage really works.

Claims Advocacy

Your personal claims advocate included with every policy. We fight for maximum settlements on your behalf.

Local Expertise

Houston-specific coverage recommendations. We understand local risks and legal requirements.

Personal Service

Real people answer your calls. No phone trees, no outsourced call centers, just local Houston service.

Don't Gamble with Minimum Coverage

Get a free full coverage analysis and discover what you're really missing

Baxter Insurance Agency, Inc. | 450 N. Sam Houston Pkwy E. #103, Houston, TX 77060
Licensed Texas Insurance Agency | Serving Houston Since 1989