Two things about Texas auto insurance that do not apply the same way elsewhere.
First, hail damages cars, not just roofs. Comprehensive coverage — not collision — is what pays for a hail-dented vehicle. Drivers who drop comprehensive on an older car to save premium are making a reasonable bet everywhere except a severe convective storm state, where a single storm can total a parked vehicle.
Second, Texas has a significant uninsured driver population. State minimum liability limits are low relative to what a serious accident actually costs, and uninsured/underinsured motorist coverage is what stands between you and paying for someone else's decision. It is one of the cheapest coverages on the policy and one of the most commonly underbought.
As everywhere, the bundle matters. Pairing auto with the home is usually where the real savings show up, and it strengthens the relationship with a carrier you would rather keep.
Send us the declarations page you have now. We read it line by line against what this market is actually doing, and tell you plainly whether anything worth changing has changed.
Send your policyThe same house priced in two states is two different problems. These are the markets we work most, and what actually decides the outcome in each one.
Send your declarations page and we will read it properly — what you have, what it would actually pay, and whether anything worth changing has changed.
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