What Does Auto Insurance Cover?
Texas requires minimum liability coverage — but that's rarely enough to fully protect you. Here's a breakdown of all the coverage types we offer.
Liability Coverage
Covers bodily injury and property damage you cause to others in an accident. Texas requires minimum limits, but higher limits protect your assets if you're sued.
Collision Coverage
Pays to repair or replace your vehicle if it's damaged in a collision — regardless of who's at fault. Essential if you have a car loan or a newer vehicle.
Comprehensive Coverage
Covers damage to your car from non-collision events like theft, hail, flooding, fire, vandalism, and hitting an animal. East Texas weather makes this especially important.
Uninsured Motorist
Protects you when the at-fault driver has no insurance — or not enough. Texas has a significant uninsured driver population, making this coverage critical.
Medical Payments
Covers medical expenses for you and your passengers after an accident — regardless of fault. Helps cover costs that health insurance may not immediately pick up.
Roadside Assistance
Towing, flat tire help, battery jump-starts, lockout service, and fuel delivery — all when you need it most. Available as an affordable add-on to any auto policy.
What Affects Your Auto Insurance Premium?
Insurance rates aren't random. Carriers use a combination of factors to calculate your premium. Understanding these helps you make smarter decisions — and find real savings.
Your Age & Driving Experience
Teen drivers and young adults typically pay higher premiums. Rates generally improve with experience and a clean record.
Credit Score
In Texas, insurers can use your credit history as a rating factor. Improving your credit score can meaningfully reduce your premium over time.
Driving History
Accidents, tickets, and DUIs raise your rates. A clean driving record is one of the most impactful factors in getting a lower premium.
Vehicle Type & Value
Sports cars, luxury vehicles, and cars with high theft rates cost more to insure. Safer, more affordable vehicles are rewarded with lower rates.
Where You Live
Urban areas with higher traffic and theft rates often have higher premiums. Where you live in Texas impacts your rate — we find the best deal regardless of your zip code.
Coverage Level & Deductibles
Higher deductibles lower your premium. More coverage costs more — but leaving yourself underinsured can cost far more after an accident.
We Do the Comparison Shopping for You
Most people don't know if they're getting a good rate — they just renew year after year. We make sure you're never overpaying.
We Shop Top-Rated Carriers
We compare rates and coverage across leading carriers to get you the best value — not just the easiest sale.
No Jargon. Real Explanations.
We explain exactly what you're covered for, what your deductible means, and what happens if you file a claim — before you sign.
Real People. Fast Answers.
Call or text and reach a real agent — not a call center. We pick up, follow up, and are here when you need us.
Hunter Chaumont
Your Texas auto insurance expert
Ownership
Reviews
Trained
Local