Personal insurance
Start with the vehicles you want to insure and the questions you have. An agent can help clarify which options are available for your situation.
Understanding your options
Auto insurance can address liability to others and, when selected, damage to your own vehicle. Compare the coverages and limits separately: a policy that meets Texas financial responsibility requirements may not pay to repair your own car.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
Liability, collision and comprehensive serve different purposes. Liability addresses covered harm you cause to others; collision and comprehensive can help with damage to your own vehicle. Uninsured or underinsured motorist and personal injury protection address other risks. Compare each coverage and limit on its own.
An insurer may consider the vehicle, location, drivers, driving history and coverage choices when setting a premium. Tell the agent if the vehicle is used for delivery, rideshare or other business activity, and ask about excluded drivers. Compare discounts and deductibles without assuming a lower premium provides the same protection.
Gather the vehicles and drivers to discuss, review any finance or lease requirements, and compare quotes with the same limits and deductibles. Check the declarations and exclusions before accepting. A request for information or a quote does not itself start coverage.
Before you reach out
Common questions
Compare liability limits with the potential cost of injuries and property damage, then look at the deductible for each physical damage coverage. A deductible is the amount you pay toward a covered claim; a lower premium can mean a higher amount due after a loss.
Start with each vehicle’s year, make and model, the Texas city or ZIP where it is kept, its normal use and the drivers to discuss. The insurer may request more information through its application; do not send license or policy numbers in your first website message.
Collision generally addresses damage to your vehicle from a collision. Comprehensive generally addresses other covered causes, such as theft, hail, fire or vandalism. The policy defines the covered loss, exclusions and deductible.
Liability coverage generally pays for covered injury or property damage you cause to others; it does not replace collision or comprehensive coverage for your own vehicle. Financing or leasing agreements may require additional physical damage coverage.
Texas requires drivers to show financial responsibility for accidents they cause. Most do this with liability insurance; the Texas Department of Insurance explains the current minimums. Minimum limits are not a guarantee that every loss will be fully paid.
Start a conversation
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.
