Liability limits
The state minimum is a legal floor. It is often not enough if you’re responsible for a serious accident.
Auto
Auto insurance
Auto insurance covers liability when you’re at fault, and can cover your own vehicle, medical bills, and an uninsured driver.
Households with one car or several, including parents adding a teen who just got a license.
Jason Karamath
(806) 445-2987
What I’ll look at
Uninsured drivers
Uninsured and underinsured motorist coverage is what stands between you and someone who can’t pay.
A new driver
Adding a teenager changes the household. We’ll look at how the cars are titled and who is listed before the quote surprises you.
Deductibles you can live with
A higher comprehensive and collision deductible lowers the premium only if you can write that check.
Here, specifically
I-45, the Grand Parkway, and school-zone traffic are part of daily life here. The review looks at limits and uninsured motorist coverage before it looks at the price.
Common questions
Do I have to insure every car with the same company?
No. Sometimes one carrier is the better fit for the whole household, and sometimes it isn’t. I’ll say which, and why.
What should I have ready?
The declarations page, driver’s license numbers can wait. For a first conversation I need who’s driving, which vehicles, and the ZIP where they’re kept.
Can you help if I already have a policy?
Yes. Most reviews start with the policy you already have. If it’s the right fit, I’ll tell you that.
Have an insurance question?
Ask your neighbor.Tell me what you have. I’ll give you an honest opinion, including if you should leave it alone.