Auto Insurance in Texas

While auto insurance is something that every driver in Texas is required to have, it can be overwhelming trying to determine what type of coverage is best and which deductible to choose. We understand the challenges with selecting the proper insurance for your family, which is why Dormer Insurance is here to help. We can help you sort through it all and answer any questions you may have, taking time to explain your options and discuss the best coverage for you. We work hard to make the process easy.

How is an Auto Premium Calculated

Insurance companies compile a list of attributes of a driver/car that go into formulating your auto insurance rate. Here are a few of those items:

  • Driver Age
  • Driver Claim History
  • Value of the vehicle
  • Anti-lock Brakes, Air Bags
  • Anti-theft devices, including internet and remote reporting subscriptions
  • Driving record of all household drivers
  • Liability limits and property damage/theft deductibles
  • Multi Policies with the same Carrier
  • Drivers Safety classes
  • Annual Miles Driven or Use of the Vehicle

Coverage Definitions in Texas Auto Insurance


Bodily Injury & Property Damage Liability

Texas drivers are required to carry Bodily Injury and Property Damage coverage. This is the amount your policy will pay in the event you are found to be at fault in the accident. This can be a hard coverage to select because it is probably the most important to your financial well being. Although the inclination is to go with the lowest required, we all know with the cost of medical and the value of vehicles these days that increased limits are always best.  A reasonable amount for the Kingwood and Atascocita area would look something like this: 100/300/100. What that means is $100,000 per person, $300,000 per accident and $100,000 in property damage.


Uninsured & Underinsured Motorist

This section protects you from motorists that are not only uninsured but have less than recommended limits. It protects you and your family from others. For instance, that person that hits your car in the parking lot but doesn’t leave a note, or if the person at fault causes a multiple car accident, this coverage helps cover you. Driving in Texas has some challenges and this is one way to protect your family against them.


Collision Coverage

Collision is exactly as it sounds, this coverage protects you in the event that you cause damage to your car and you are at fault. At times collision allows you to get your car fixed and not rely on the other person’s insurance. Collision coverage may be required in the event of a lien on the vehicle.


Comprehensive Coverage

Just as its name implies, this covers all other perils including theft, vandalism and glass breakage, as well as falling objects, tree limbs, flood or hail.


Rental Reimbursement

This coverage helps you afford a rental car if yours is being repaired under either your collision or your comprehensive coverage.