Auto Insurance
Auto Insurance in Plano, TX & Michigan — We Shop Multiple Carriers for You
Liability, collision, comprehensive, PIP, and more — compared across top carriers for a rate that fits.
Coverage types
Liability
Pays for injuries to others and damage to their property if you cause an accident.
Collision
Pays to repair your vehicle after an accident, including when you are at fault.
Comprehensive
Covers theft and non-collision damage such as hail, fire, vandalism, and animals.
PIP
Personal Injury Protection helps with medical expenses and related costs after an accident.
Property Damage
Helps pay to repair damage you cause to another person's vehicle or property.
Uninsured Motorist
Protects you when the at-fault driver has little or no liability coverage.
Discounts You May Qualify For
Multi-Vehicle
Insure more than one car and save on each vehicle
Bundle & Save
Combine auto with home or renters insurance for up to 25% off
Safe Driver
Maintain a clean driving record and qualify for lower rates
Good Student
Full-time students with a B average or better may qualify
Pay in Full
Pay your annual premium upfront to reduce your total cost
Paperless & EFT
Go paperless and pay by bank transfer for additional savings
Anti-Theft Device
Vehicles with approved security systems may qualify
New Vehicle
Insuring a newer model car may earn a discount
Need umbrella insurance?
Umbrella policies add liability protection above your auto and homeowners limits — useful if you have assets to protect.
Learn about umbrella coverage →Frequently Asked Questions
Texas requires a minimum of 30/60/25 liability coverage — $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. However, these minimums are often not enough to fully protect you financially. If you cause a serious accident, costs can far exceed these limits, leaving you personally responsible for the difference. We recommend higher limits and always suggest reviewing your full coverage needs with an independent agent.
Collision coverage pays to repair or replace your vehicle after an accident involving another car or object, regardless of fault. Comprehensive coverage pays for damage caused by events outside your control — such as theft, vandalism, hail, fire, flooding, or hitting an animal. Both coverages are typically required if you have a car loan or lease.
Personal Injury Protection (PIP) covers medical expenses, lost wages, and other costs for you and your passengers after an accident, regardless of who is at fault. In Texas, insurers must offer PIP but you can reject it in writing. It's worth keeping — especially if your health insurance has high deductibles or gaps in coverage for accident-related expenses.
Uninsured/underinsured motorist (UM/UIM) coverage protects you when the at-fault driver has no insurance or not enough to cover your damages. In Texas, approximately 1 in 8 drivers is uninsured. We strongly recommend adding UM/UIM coverage to every auto policy.
Yes — and you should. Insuring multiple vehicles on a single policy typically qualifies you for a multi-vehicle discount and simplifies your billing and renewals. Ask us to compare multi-vehicle rates across our carrier network.
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