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Auto Insurance - Dallas, Fort Worth, Arlington, San Antonio

Standard & Non-standard Auto Insurance for Texas Drivers

San Antonio and Dallas are among Texas’ largest cities, and Texas has one of the largest infrastructure systems in the entire nation. Texas roads are busy, crowded and dangerous all the time. Therefore, you need to protect yourself with car insurance whenever you get behind the wheel.

La Familia Auto Insurance is committed to helping clients find the car insurance that is a perfect fit for them. When you come to us, you have our promise that we can get you targeted protection at affordable prices, even if you need non-standard insurance options.

Why You Need Auto Insurance

Texas requires all drivers to carry car insurance. So, you can’t get around coverage in any case. However, don’t think of car insurance as a burden. Instead, consider it a vital asset that can protect you following the accidents you least expect. By simply paying your premium and deductibles on coverage, you’ll be able to save money on the unavoidable costs of wrecks or other accidents.

Car insurance helps you receive financial help covering the costs of unexpected, accidental vehicle mishaps. For example, if you have a wreck, causing damage to both yourself and others, your policy will help you pay for some or all the repairs or restitution. You won’t have to worry about the financial loss accidents might create.

Texas Auto Insurance Requirements

Your policy must contain liability insurance valued at least at:

  • $30,000 bodily injury liability insurance per person
  • $60,000 bodily injury liability insurance per accident
  • $25,000 property damage liability insurance

This is sometimes called 30/60/25 insurance. The liability insurance will cover the damage you cause to third parties if a wreck that hurts them or damages their property. The bodily injury coverage will apply to third party injuries, while property damage coverage will pertain to items like their vehicle damage.

Liability coverage is a requirement because it can help you and parties you harmed avoid costly financial losses. However, Texas’ minimum requirements are only the lowest available levels. You usually have the chance to increase your liability limits to higher levels, and we recommend you do so.

Additional Policy Options

Alongside your liability policy, you can often add other coverage to create a greater protective cushion for yourself.

  • Collision insurance will pay for repairs to your car that result from wrecks or other collisions.
  • Comprehensive insurance pays for vehicle damage from non-accident mishaps. For example, car damage from fires, theft, severe weather and similar losses will usually have coverage.
  • Personal injury protection (PIP) covers your medical bills and, often, lost income due to injuries you or your passengers sustain.
  • Uninsured/underinsured coverage insures you against damage caused by someone else who doesn’t have appropriate liability coverage. For example, if you are the victim of a hit-and-run, you might not be able to make a claim on the other driver’s liability insurance. Therefore, your own policy can help you.
  • Other available coverage might offer you help for roadside assistance and rental car coverage.

Ask your agent how to add these elements to your coverage. We can work with you to make sure you always have an appropriate balance of protection and affordability.

Non-Standard Auto Insurance Services

Insurers base your auto insurance prices and eligibility on the level of risk you present to them. That risk is your likelihood of filing a policy claim.

All drivers have different risk levels; however, some have a lot more than others. High risks might make you ineligible for certain policies. Still, regardless of your risk level, we can do our level best to get you the best policy. Whether you have SR-22s, suspended licenses, DUIs or other penalties, we can help.

No Texas Driver’s License? No Problem!

Even if you have no Texas driver’s license, that doesn’t exclude you from needing car insurance. We can insure drivers with:

  • Foreign Driver IDs
  • Matriculas
  • No License
  • Suspended Licenses
  • DWI/DUI Penalties

Here for Dallas/Fort Worth Residents

La Familia’s agents are experts in helping you cut through the red tape of policy enrollment and get right to the source of optimal coverage. We’ll make it simple, understandable and affordable. We want to make sure that anyone, regardless of income, can still get the car insurance they need. With us, you’ll become part of the family, and we’ll treat you that way whenever you need policy service.

Contact La Familia Auto Insurance Today

Don’t hesitate to get a quote on a personalized auto insurance policy right now! Contact us at (888) 751-7511 or request an online quote right now!

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