Coverage

Auto coverage that protects you,
not just the other guy.

State minimums protect the other driver. Real auto coverage protects you, your family, and what you drive.

Coverages explained

Auto policies have a lot of moving parts. Here's what each piece actually does.

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    Bodily injury liabilityPays for injuries you cause to others. Carry more than the state minimum — medical costs add up fast.
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    Property damage liabilityPays for damage you cause to other vehicles or property.
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    CollisionPays for damage to your car from a wreck, regardless of fault.
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    ComprehensiveHail, theft, vandalism, fire, hitting a deer — anything other than a collision.
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    Uninsured/underinsured motoristCovers you when the at-fault driver doesn't have enough insurance. Critical in Texas.
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    Personal injury protection (PIP)Medical bills for you and your passengers, regardless of fault.

The extras worth having

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    Roadside assistanceTowing, lockouts, jump starts, flat tires.
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    Rental reimbursementPays for a rental while your car is in the shop after a covered claim.
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    Gap coveragePays the difference if your car is totaled and you owe more than it's worth.
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    Original equipment partsOEM-only repairs after a claim.
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    New car replacementReplaces a totaled new car with a new one of the same model.
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Frequently asked questions

What liability limits should I carry?
Texas minimums (30/60/25) are usually not enough — a single serious accident can cost hundreds of thousands. Most clients we work with carry 100/300/100 at minimum, and pair it with an umbrella policy. We'll model what makes sense for your situation.
Will my rate go up just because I shopped around?
No. Quotes don't affect your insurance score the way credit applications affect your credit score. Carriers use a soft pull. Shopping every renewal is one of the easiest ways to save.
Do I need rental reimbursement?
If you'd struggle to pay for a rental car for 1–4 weeks out of pocket after an accident, yes. It's usually cheap — often $5–$15/month — for $30/day in coverage.
How does bundling actually save money?
Carriers offer multi-policy discounts of typically 10–25% when you have home and auto with them. The savings often show up on the home side as much as the auto side.

Get an auto quote in minutes

Bring your current declarations page and we'll match coverage line by line.

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