The parts of an auto policy
Four coverages do most of the work on a Texas auto policy. Knowing what each protects is how you tell a cheap quote from an adequate one.
Liability
Injuries and property damage you cause to others. Texas minimums are low enough that most drivers are underinsured without realizing it.
Collision
Repairs to your own vehicle after an accident, regardless of fault, up to its actual cash value.
Comprehensive
Damage from anything other than a collision — hail, theft, flooding, a deer in the road.
Uninsured/Underinsured Motorist
Covers you when the other driver is at fault and carries too little insurance, or none at all.
Hail totals more cars here than collisions do
Comprehensive coverage is the line to protect on a Texas policy, not liability. A single hailstorm can total a windshield or a roof in one afternoon, and it happens most years in Tarrant County.
How an auto quote goes
Send your vehicles
Year, make, model, and who's driving them — commuting, business use, or a teen driver changes the quote.
We compare carriers
Same liability limits and deductibles across every quote, so the premiums are actually comparable.
You pick, we bind
Coverage starts the day you choose, and we handle the paperwork with your lender if the vehicle is financed.
Brian is incredibly knowledgeable and made the entire process straightforward. He found us the right coverage and answered every question with patience and clarity.”
Placeholder quote — this space is reserved for a client review Brian supplies. It runs to roughly the length a real one would, so the two columns balance.”
Auto insurance questions
Does my policy cover rideshare driving?
Not standard personal auto. If you drive for Uber or Lyft, you need a rideshare endorsement or a commercial policy — ask before you turn the app on.
What happens if I'm hit by someone with no insurance?
Uninsured motorist coverage pays as if they carried the state minimum, or more depending on your limit. It's one of the most-skipped coverages and one of the most useful.
Should I drop collision on an older car?
Once the payout would be close to what the coverage costs annually, it's often worth dropping. We'll run the number with you rather than guess.
Can I add a teen driver without starting over?
Yes, it's an endorsement to the existing policy, not a new quote. Premium moves, but the process is quick.
Do you write commercial auto too?
Yes, for business-use vehicles and small fleets, separate from personal policies.
Bring your current policy and we will read it with you
No obligation, and no pressure to switch if what you have is already right.