Notice: It’s the Law! HB-3588 Driver Responsibility Act, Effective September 1, 2003

• The minimum fine for driving without insurance is $175.00. That’s the state fine. Your city or municipality can assess an additional fine.
• You will then be assessed $250.00 for the next three years. That’s $750.00.
• Your license will be automatically suspended if you fail to pay!
• That’s $925.00 minimum in fines and assessments just for driving with no insurance. Plus, you will still have to pay for your insurance!

Peace of mind is what you get when you’re insured by a market leader that is there to help 24 / 7. That’s what being a Progressive customer is all about. Discount Auto Insurance Of Corpus Christi is an authorized seller of Progressive – call us today to learn more.

Car insurance is complicated. We have posted this brief guide to make it easier for you to understand the coverages, deductibles and limits and how they can work for you.

Liability / Comprehensive / Collision / 25 / 50 / 25 

In most states, liability coverage is mandatory. All other coverages are optional. If your car is leased or financed, you may be required to buy certain coverage limits.

Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object. 

Collision coverage is subject to a deductible amount that you choose. The most frequently selected deductible amount is $500. Select a deductible amount that you are comfortable with – if there is a Collision claim on your policy, this will be the amount you’ll generally be required to pay.

Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen. Comprehensive coverage is also subject to a deductible amount – usually the same amount you choose for Collision coverage. 

Bodily Injury and Property Damage (BI / PD) liability cover your legal liability, up to the limits you select, for damages caused in a covered vehicle accident. If we cover an accident for which you’re sued, we pay for a lawyer to defend you.

You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000 / $300,000 means that we will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, we pay up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident ($300,000).