Get The Auto Insurance Coverage You Need At An Affordable Price
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event.
Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
As a local, independent insurance agency, we can help you find the right policy for your car by comparing quotes and coverage options from from several top Insurance companies. In addition to cars, we insure motorcycles, classic cars, motor homes, boats, Jet Skis and ATVs too.
Auto Insurance Coverage Options
Collision and comprehensive (other than collision) coverages:
​
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
-
Collision coverage insures you against damage to your vehicle caused during an accident.
-
Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
​
Liability coverage:
​
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.
​
Medical Payments coverage:
​
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
​
Personal Injury Protection:
​
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
​
Uninsured/Underinsured Motorist coverage:
​
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
​
Optional coverage:
​
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How Much Auto Insurance Do You Need?
We’re based in Texas, so our team understands the auto insurance needs of our customers.
​
Auto insurance requirements vary by state. In most states, to drive you must carry:
-
Liability coverage — to pay for losses you cause others, or
-
No-fault coverage — to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
-
Both liability and no-fault coverage
​
​
Our professional auto insurance agents in Texas can assist you in finding the right car insurance you need.
Every situation is unique —find out how to get the best coverage that fits your auto insurance needs.
Call us today at (832) 706-8029 or Request a free quote.
Leasing versus Financing
Leasing versus Financing
Are you currently in need of a car and trying to decide whether you should lease or finance? As you might imagine, financing is the most common choice.
Leasing and Financing arrangements vary greatly. Read through our comparison list below to see which option fits your particular needs.
​
Choose Leasing if:
If you like to update your vehicle every few years or so, this option is for you.
Leasing is like renting a house; while you’re paying money for the privilege, you never really own it. You’re paying for the luxury of having an updated vehicle, which you’ll probably switch every couple of years.
When you lease, your car will likely always be under warranty. You don’t have to worry about major mechanical problems, just as though you owned a new vehicle.
The great thing about leasing is that you don’t usually have to give a down payment, and month-to-month payments are about 30% to 50% lower than loan payments on the same car.
Selling a car requires work. When your lease is up, you just return the car to the dealer.
Choose Financing if:
Once you make all of your payments, the car is yours.
You don’t mind paying a down payment - When you finance a car, you usually have to pay 10-15% as a down payment.
When you lease a car, you are limited to a number of miles you can drive per lease period. Owning a car gives you absolute control to travel whatever distance you choose.
Leases usually forbid any sort of car modification. When you own a car, you can upgrade, change the wheels, make it your own.
When you finance, you are using someone else’s money to pay for the car. Make your payments on time and you could see your credit improve over the years.
Whether you lease or finance, financial institutions usually require more auto insurance coverage than your state's minimum requirement. If you finance though, you can select the coverage that best fits your situation once you've paid off your car loan.
Whether you end up choosing to lease or buy, it’s our objective to make sure every driver has the coverage they need. Call us today to receive an auto insurance quote within minutes.