Auto Insurance From a Local, Independent Advisor
Whether you commute down I-35E to Dallas, drive the kids across Denton County or put miles on a work truck, your auto policy is one of the most important protections you own. At Trailmark Insurance Advisors, Eric Glenn compares car insurance quotes from multiple insurance companies so you get the right coverage at a competitive price, without calling around yourself.
Because we're an independent insurance agency, we aren't tied to one company. If your rate jumps at renewal, we can shop your policy again and look for a better fit.
What Auto Insurance Covers
Liability (bodily injury and property damage)
Pays for injuries and damage you cause to others. Texas requires at least 30/60/25 coverage: $30,000 per injured person, $60,000 per accident and $25,000 for property damage. Many drivers choose higher limits to protect their savings and home.
Collision
Repairs or replaces your vehicle after an accident with another car or object, regardless of who caused it.
Comprehensive
Covers hail, flood, fire, theft, vandalism and hitting a deer. It's a must-have for North Texas hail season.
Uninsured and underinsured motorist
Protects you when the other driver has no insurance, or not enough to pay for your injuries and repairs.
Personal Injury Protection (PIP)
Helps pay medical bills and lost wages for you and your passengers, no matter who caused the accident. Texas insurers must offer PIP unless you reject it in writing.
Helpful extras
Rental reimbursement, roadside assistance and towing, and gap coverage for financed or leased vehicles.
Car Insurance Built for Texas Roads
Texas drivers face a unique mix of risks: heavy traffic on I-35, US-380 and the Dallas North Tollway, sudden spring hailstorms, flash flooding and deer on rural roads around Denton, Sanger and Krum. A state-minimum policy may keep you legal, but it often isn't enough to pay for a serious accident.
We'll walk you through liability limits, deductibles and optional coverages in plain English, so you know exactly what you're buying and why.
Ways to Save on Car Insurance
- Bundle auto with home, renters or condo insurance
- Insure multiple vehicles on one policy
- Safe-driver and claims-free discounts
- Good-student discounts for teen and college drivers
- Defensive driving course discounts, where the carrier offers them
- Paid-in-full, paperless and automatic-payment discounts
- Usage-based (telematics) programs that reward safe driving
Auto Insurance FAQs
What is the minimum car insurance required in Texas?
Texas requires liability coverage of at least $30,000 per injured person, $60,000 per accident and $25,000 for property damage, often written as 30/60/25. Most advisors recommend higher limits, because medical bills and vehicle repairs can quickly exceed those amounts.
Is full coverage worth it on an older car?
It depends on the car's value and how easily you could replace it. We'll compare the cost of collision and comprehensive against your vehicle's value and help you decide. Many Texas drivers keep comprehensive for hail protection even on older cars.
Can I switch car insurance companies before my policy renews?
Usually, yes. Most carriers let you cancel mid-term and refund any unused premium. We'll line up your new policy first so there's never a gap in coverage.
