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Auto Insurance, Katy
Auto insurance is the type of insurance purchased for cars, trucks, motorcycles and other vehicles usually used for protection against traffic accidents. Auto insurance, in particular, is mandatory by law in the United States. There are several categories of vehicle insurance, including the following: Automobile, Motorcycle, ATV, Segway, Snowmobile, Boat, Jet Ski, Waverunner, Sea-Doo, Recreational Vehicle (RV), Camper, and Commercial Vehicles.
Click on one of the tabs below to read about the insurance that relates to the type of vehicle in that category.
Auto Insurance
Example: John loses control of his car making a turn and hits the only delivery car of a pizza restaurant. Liability insurance would help pay for the physical damages (to the car and its occupant if one were in it) and financial damages (the money the pizza shop might have lost by not having a delivery car).
Example: Jane crashes her car into a tree while driving down a neighborhood street and causes $4,523 worth of damage to her vehicle. After she pays her specific deductible of $1,000, her insurance company would give her the additional $3,523 required to fix her car.
Example: While parked at a fast food restaurant, Henry's car gets stolen. It is later left next to a fire and gets engulfed by the flames. After Henry pays his deductible, the insurance company would provide him with money required to pay for these damages.
Uninsured / Underinsured Motorist Insurance
Example: While driving down a neighborhood street, John's car got struck from behind by a driver whose insurance policy had been cancelled. John's uninsured motorist property damage protection helped cover the damages to his vehicle even though the other party was at fault.
Medical / Personal Injury Insurance
Example: Jane was involved in a terrible accident and had some medical bills to pay because of it. Her personal injury protection helped her pay those bills.
Sound, Picture & Data Equipment / Special Equipment
Original Equipment Manufacturer (OEM)
Auto Death and Dismemberment Coverage
Available Automobile Discounts
There is NO Limit to the number of discounts that you can qualify for!Accident-Free
Up to 10% reduction in certain instances when an accident-free driving record is maintained.
Affinity
Up to 3% reduction if you are a member of a qualifying organization.
Auto Financial
5% reduction in certain instances if you own a Financial Services Annuity, Life or Health policy with us.
Good Student
Up to 5% reduction if you are a full-time student between the ages of 16 and 24 and meet a certain grade point or scholastic class-ranking requirement.
Home and Car
Up to 20% reduction if you insure both your autos and home with us.
Long-Term Policyholder
Up to 5% reduction if you are insured with us for at least 3 years. Up to 15% reduction if you are insured with us for at least 5 years!
Passive Occupant Restraint
20-30% reduction of your medical coverage premiums if your vehicle is equipped with airbags.
Safe Driver
Up to 15% reduction in certain instances when a violation-free driving record is maintained.
Defensive Driving Course
10% reduction in liability and collision coverage when a defensive driving course is successfully completed.
