What we can quote
[Confirm which of these you write]
- Cars, trucks, and SUVs
- Liability-only coverage
- Full coverage (collision and comprehensive)
- New and teen drivers
- Multi-car policies
- Motorcycles
- RVs and travel trailers
- SR-22 filings
How much coverage do you need?
Texas requires every driver to carry at least $30,000 of bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage (often written as 30/60/25). That's the legal minimum, and it doesn't go far. A single accident with a newer truck or a trip to the hospital can cost more than that, and anything over your limits can come back to you.
We'll look at what you drive, who's driving it, and what you have to protect, and show you a few options side by side so you can decide what's worth it.
Common questions
What does "full coverage" mean?
It isn't an official term, but it usually means liability plus collision (damage to your car from a wreck) and comprehensive (hail, theft, hitting a deer, a tree limb, and so on). If you have a loan or lease on your vehicle, your lender will almost always require it.
What is PIP, and do I need it?
Personal Injury Protection helps pay medical bills and lost wages for you and your passengers, no matter who caused the accident. In Texas, insurance companies have to include it unless you turn it down in writing. We usually recommend keeping it.
What about uninsured drivers?
Uninsured/underinsured motorist coverage pays for your injuries and damage when the other driver has no insurance or not enough. Like PIP, it's included in Texas unless you reject it in writing. Given how many drivers are uninsured, it's worth having.
What is an SR-22?
An SR-22 is a form your insurance company files with the Texas Department of Public Safety to prove you carry liability insurance. It's usually required after something like a license suspension or driving without insurance, and you typically have to keep it on file for two years. If you've been told you need one, call us and we'll walk you through it.
Will adding my teenager make my rate go up a lot?
Usually it does go up, but there are ways to soften it, like good student discounts, which car they drive, and how the policy is set up. Call us before you add them and we'll go over the options.