Texas Auto Insurance: Shopped across carriers. Built for the roads you drive.

Texas law sets a minimum amount of liability coverage, and every driver must be able to show proof of financial responsibility. That minimum is lower than most households need, so we start every auto quote at 50/100/50: $50,000 per person and $100,000 per crash for injuries, plus $50,000 for property damage.

The state minimum satisfies the law, but it can run out fast in a serious accident. Whatever the policy doesn't cover, you can be pursued for personally. If you ever have a question about Texas insurance rules, the Texas Department of Insurance (TDI) consumer help line is 800-252-3439.

No. Texas is an at-fault, or tort, state. The driver who causes an accident is responsible for the injuries and property damage that follow, and their liability coverage pays those claims.

That's exactly why liability limits matter so much here. Causing a serious accident with thin limits puts your personal assets in the path of the claim.

Full coverage is industry shorthand, not a legal term. It usually means liability plus collision (crash damage to your own car) and comprehensive (hail, flood, theft, vandalism, glass, fire, animals), and in a well-built policy, uninsured/underinsured motorist coverage too.

Lenders require collision and comprehensive on any financed or leased vehicle. On a car you own outright, whether full coverage still makes sense depends on what the car is worth, and we'll run that math with you honestly.

Texas insurers must offer uninsured/underinsured motorist coverage, and it stays on your policy unless you reject it in writing. In practice it's one of the most important coverages on the policy, because the state estimates roughly one in eight Texas drivers is uninsured, and many more carry only the state minimum.

UM/UIM steps into the at-fault driver's shoes and pays for your injuries when they can't. We recommend carrying it and sizing it to match your own liability limits.

Personal Injury Protection pays your own medical bills and a share of lost wages after an accident, regardless of fault. Texas insurers must include at least $2,500 of PIP per person unless you reject it in writing.

If you carry strong health insurance, the minimum may be enough. If your health coverage is thin or your deductible is high, more PIP can be inexpensive protection against the gap that matters most when someone in the car is actually hurt. We'll walk through which side of that line you're on.

Yes, if your policy includes comprehensive coverage, minus your deductible. North Texas spring storms can bring large hail and high winds, and a single storm can dent a car in the driveway, the office lot or the stadium parking lot.

A liability-only policy pays nothing for hail, theft or flood. If your car parks outside, comprehensive deserves a close look.

Yes, under comprehensive coverage. A flooded vehicle is a comprehensive claim on your auto policy, not a claim on any flood policy. Flash flooding happens across North Texas, low-water crossings and underpasses can fill fast in a heavy storm, and a car that stalls in moving water can be totaled in minutes. Turn around, don't drown.

Note the split: your car's flood damage is auto comprehensive. Your home and belongings need a separate NFIP flood policy, which we can help you with. One more reason the whole plan belongs with one agency.

It depends on you more than on any average. Your ZIP code, commute, driving record, vehicle, household drivers and the coverage you choose all move the number, and each insurance company weighs those factors differently.

That's the advantage of an independent agency. We represent multiple insurance companies, so instead of quoting one price we compare several for your situation. Ballpark yours with our rate estimator, then call for real quotes.

It can. Some insurance companies use a credit-based insurance score as one rating factor, alongside your driving record, vehicle and ZIP code. How much weight it carries varies by company.

What you control is everything around it: keeping a clean record, choosing the right deductible, bundling policies, and letting us compare carriers once a year to make sure your coverage and discounts still fit. That annual review is part of what a local agent is for.

Generally no. Personal auto policies exclude driving for hire, and the platform's own coverage is thin during the window when your app is on but no ride or delivery is accepted.

Ask us about rideshare coverage availability. Where it's offered, an endorsement can close that gap. If you drive for any app, even occasionally, tell us before you need a claim, not after.

Your lender or leasing company will require collision and comprehensive in addition to liability, and often caps your deductible at $500 or $1,000.

Gap coverage deserves a serious look on newer vehicles. If the car is totaled while you owe more than it's worth, gap pays the difference, so you're not making payments on a car that no longer exists. Once your loan balance drops below the car's value, you can drop it.

The biggest levers, roughly in order: bundle auto with your home or renters policy, let us shop your coverage across several carriers, raise your deductible if you have savings to cover it, drop collision on a car that isn't worth much anymore, and make sure every discount you qualify for is actually applied.

What doesn't work is quietly cutting your liability limits. That saves a few dollars a month and exposes everything you own. There's almost always a smarter place to trim, and finding it is what we do.

Tell us where the car is actually kept. A student driving a household car is often listed on the family policy, but where the car is garaged during the semester, whether it's titled to the student, and who drives it all affect how it should be written.

Good student discounts may be available for eligible drivers, and a car parked on or near campus deserves a close look at comprehensive for theft and vandalism. Call (972) 987-0650 and we'll set it up correctly.