Auto insurance in The Colony and nearby North Texas
From daily commutes along Highway 121 and Main Street to weekend motorcycle rides around Denton County, we help households understand their auto and motorcycle options without jargon.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. See our Terms of Service and Privacy Policy.
Section 01What Auto and Motorcycle Insurance Generally Does
The main parts of an auto or motorcycle policy
An auto or motorcycle policy is typically made up of several distinct parts. Some are required by Texas law, and others are optional or required by a lender when a vehicle is financed or leased. An agent can walk you through how each part works on a specific policy.
Part 01Third-Party Liability
Bodily Injury and Property Damage Liability
Liability insurance generally addresses injuries or property damage that a covered driver causes to other people in an accident, up to the limits selected on the policy.
Part 02Your Vehicle
Collision and Comprehensive Options
Collision generally addresses damage to your own vehicle from a crash with another vehicle or object. Comprehensive generally addresses non-collision events such as hail, theft, vandalism, fire, or hitting an animal, subject to your deductible.
Part 03Additional Options
Uninsured Motorist, Medical, and Roadside
Policies often offer options for uninsured or underinsured motorists, personal injury protection or medical payments, rental reimbursement while a vehicle is being repaired, and motorcycle gear or accessory options.
Texas requires auto liability coverage of at least 30/60/25. An agent can walk through how these state minimums work and why many households consider higher limits based on today's vehicle repair and medical costs.
$30,000For each injured person in an accident.
$60,000Total for injuries per accident when multiple people are hurt.
$25,000For property damage per accident.
Section 02Who It Suits
When to talk through your auto or motorcycle policy
Whether you have one car or several vehicles and a motorcycle in the garage, a quick conversation with a licensed agent helps make sure your policy matches how your household drives today.
Buying or replacing a car, truck, SUV, or motorcycle
If you are picking up a vehicle from a dealership or private seller, we can review the year, make, and model and discuss collision and comprehensive deductibles before you drive off.
Reviewing your policy before a six-month or annual renewal
Many drivers in The Colony, Little Elm, Frisco, and Lewisville reach out when a renewal notice arrives and they want a plain-language look at their current declarations page.
Adding a household driver or moving to North Texas
When a teen driver joins the policy, a household member changes vehicles, or you move to a new ZIP code in Denton or Collin County, an agent can help update your vehicle schedule.
Reviewing auto alongside home or renters insurance
Because our office handles personal property and vehicle lines together, we can review your auto or motorcycle policy alongside your home or renters policy in one conversation.
Section 03What to Have Ready
What to have ready for an auto or motorcycle consultation
To prepare for a consultation, we only need basic household and vehicle facts. You can text these to our office or send a photo of your current declarations page.
Please note: do not send driver's license numbers, Social Security numbers, or payment details by text or through the website form.
North Texas Weather Note
Spring hail and comprehensive deductibles
Spring hail is part of life in North Texas. Because hail damage to a vehicle is generally addressed under optional comprehensive coverage rather than collision or liability, it is a good reason to check your comprehensive deductible before storm season.
Auto & Motorcycle IntakeNo License Numbers Needed
Details for your vehicle review
01Each vehicle's year, make, and model (cars, trucks, SUVs, and motorcycles).
02The drivers in the household and their ages (no driver's license numbers).
03Any accidents or tickets in the last few years.
04The ZIP code where the vehicles are kept.
05Your current declarations page, who you are insured with now, and about when your policy renews.
Section 04General Questions
Frequently asked questions about auto and motorcycle insurance
These answers share general information for Texas drivers and riders. A licensed agent at our office can explain how any specific policy applies to your household.
What does 30/60/25 mean on a Texas auto policy?
Those three numbers refer to the minimum liability limits required by Texas law, stated in thousands of dollars: $30,000 for bodily injury per person, up to $60,000 for bodily injury per accident when more than one person is injured, and $25,000 for property damage per accident. An agent can explain how those limits work and show you other liability options.
Do I need to send my driver's license number to ask a question?
No. Please do not send your driver's license number, Social Security number, or payment details through our website form or by text. To get ready for a consultation, we only ask for the vehicles' year, make, and model, the drivers in the household and their ages, any accidents or tickets in the last few years, the ZIP code where the vehicles are kept, and your current declarations page.
What is the difference between collision and comprehensive on an auto policy?
In general terms, collision addresses damage to your vehicle when it hits or is hit by another vehicle or object, while comprehensive addresses damage from events other than a collision, such as hail, theft, fire, falling objects, or animal strikes. Both are usually subject to the deductibles you choose on the policy.
Are motorcycles insured on the same policy as cars, or separately?
Motorcycles are typically written on a dedicated motorcycle policy that accounts for how bikes are ridden and stored, as well as options for riding gear or custom parts. Our office handles both auto and motorcycle insurance, so we can review them together during your consultation.
Where do I find my current auto declarations page?
Your declarations page is usually the summary sheet at the front of your policy packet or inside your current insurer's mobile app. It lists the vehicles, drivers, coverage selections, deductibles, and renewal date. Note that an ID card for your glove box only shows proof of liability, whereas the declarations page shows your full coverage breakdown.
Talk With a Licensed AgentThe Colony, Texas
Start your auto or motorcycle policy review
Text us a question or a photo of your current declarations page, call our office in The Colony, or send a question through our form.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. See our Terms of Service and Privacy Policy.