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Auto Insurance
Independent Auto Insurance
Auto Insurance Info
Insurance policies are limited.
Insurance policies do not cover everything. You must understand what is and is not covered. Most people do not understand coverage details which can create coverage gaps that expose them to loss. Our independent auto insurance agents can help you find the best prices for the coverage you need. Remember-
the insurance company pays the agent at no additional cost to the insured. Auto Insurance Videos-
Texas minimum auto liability limits are not adequate for anyone with assets. Basic Texas auto liability pays no more than $25,000 to repair another other car you damage. A lot of cars today cost much more than $25,000. If a person causes more than $25,000 damage, they can be required to pay the difference personally. Minimum auto liability limits are not adequate for most people. You must carry enough insurance or pay the difference yourself.
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Name Your Own Price... THE MYTH
Some companies say you can name your own price. The truth is you pay for what you get. The less you pay the less you get. Cheapest is not best. You need to buy enough coverage to protect your personal assets in the event you are responsible for another persons bodily injury or property damage.
If you have assets to protect minimum coverage leaves you exposed to financial judgement. A claim can become a legal matter if your coverage is not adequate to protect you.
Uber & Lyft Drivers- Beware... Your personal insurance policy does not automatically cover you. Some companies offer coverage as an endorsement and some do not. You must be aware of the terms and conditions.
Warm food delivery is another thing entirely.
Delivery with a time-constraint is a commercial exposure. Until things change- pizza delivery requires a commercial insurance policy. Some pizza shop owners buy coverage for their drivers, and some do not. Be aware.
Remember-
Insurance policies do not cover everything. Independent auto insurance policies are limited. The insurance policy is a contract subject to its terms and conditions. An insurance claim can become a legal matter. It is important to have the correct coverage and enough coverage to protect yourself. 
Auto insurance rates seem to increase each renewal.
Monitor your insurance rates or you will overpay.
Let us save you time and money. Let us do the shopping for you. Never shop for insurance again.