Auto insurance
The limits matter more than the premium
State minimum limits have not kept pace with what a serious accident costs. We quote realistic limits, then show you what the difference actually costs per month.
1 in 5
Texas drivers carry no insurance
30+
Years reading auto policies
SR-22
Filings handled in house
Why the state minimum is not enough
State minimum limits have not kept pace with what a serious accident costs. We quote realistic limits, then show you what the difference actually costs per month, which is usually less than people assume.
Insurers rate the household, not the car. Adding a second vehicle, moving a teenager onto the right policy, or correcting a garaging address often changes the premium more than shopping the deductible does.
The detail
What the policy does, and where it stops
Typically covered
- Liability for injury and property damage you cause
- Collision and comprehensive, including hail damage
- Uninsured and underinsured motorist cover
- Personal injury protection for medical costs regardless of fault
- Rental reimbursement and roadside assistance
- SR-22 filings when they are required
Worth checking closely
- Uninsured motorist limits: roughly one Texas driver in five carries no cover
- Deductibles on hail, which is the most common comprehensive claim here
- Young drivers, and whether a student away at school changes the rating
- Rideshare or delivery use, excluded by most personal policies
- Gap cover when the loan is larger than the vehicle value
- Named-driver policies, which quietly exclude everyone else in the house
Before you renew
Send us the declarations page from your current policy. Most of what decides a rate is already on it, and it takes about two minutes to see whether the market has something better.