We shop 18+ auto carriers to find the combination of rate, coverage, and claims reputation that fits how you actually drive. Most clients save $400–$900 their first year.
Every policy we write includes Texas‑mandated minimums, but "minimum" almost never means "enough." Here's what we typically recommend.
Pays for medical bills and legal costs if you injure someone. We typically recommend 100/300 minimum.
Covers damage to the other person's car, fence, mailbox, Whataburger sign. $100K is the sweet spot.
Pays for your car if you hit something. Optional, but usually required if you have a loan.
Hail, theft, fire, vandalism, deer. The "everything except crashing" coverage.
Protects you when the other driver has no insurance (about 1 in 7 Texas drivers). Always worth it.
Covers medical bills for you and your passengers, no matter whose fault the accident was.
Texas minimums are 30/60/25, but that's usually not enough — a single ER visit can blow past $30K. We typically recommend 100/300/100 minimum, with an umbrella if you own a home or have significant assets.
It depends on the claim, your carrier, and your history. A not‑at‑fault comprehensive claim (like hail) usually doesn't affect your rate. An at‑fault collision typically does for 3 years. We'll tell you honestly before you file.
Standard personal auto policies exclude rideshare and delivery. You need either an endorsement (available from most major carriers) or a commercial auto policy. We can help you figure out which.
Yes. We work with several carriers that accept SR‑22 and FR‑44 filings. Rates vary widely — we'll shop for the best fit.
Yes, through specialty carriers like Hagerty and Grundy. Agreed‑value policies, flexible usage, and lower premiums than standard auto.