Auto Insurance

We’re well-versed in the auto insurance requirements and options for Texas and states across the country. That means we can help find the right coverage to protect you and your vehicle, because you never know what could happen on the road.

How Auto Insurance Protects You

There are several different components of auto insurance, including:

  • Collision Coverage—Pays the costs of repairs for vehicles damaged if you are legally responsible for collisions with other vehicles, objects or people
  • Other Than Collision Coverage—Covers the cost to replace or repair your vehicle if it's stolen or damaged from an accident or natural disaster
  • Property Damage Liability—Helps pay the legal fees and damage claims on another person's property caused by your vehicle
  • Bodily Injury Liability—Helps cover legal costs and personal injury claims should you cause an accident that seriously or fatally injures someone
  • Personal Injury Protection—Helps you pay medical expenses and, in some cases, helps with other expenses while you recover, such as lost wages and child-care expenses
  • Uninsured or Underinsured Motorist Coverage—Protects you against financial losses from an accident caused by someone who is either uninsured or lacks adequate coverage
Choosing Your Coverage Amount

In Texas, you're required to pay for any expenses related to accidents you may cause, including the cost to repair or replace the other driver's car and medical expenses. So, when it comes to deciding how much coverage to buy, consider factors such as:

  • The value of your car and your assets such as your home, personal property and income potential
  • How much and when you drive
  • The number of people who ride with you

Get started by calling (866) 227-2099 or request a call or email.

Lower Your Insurance Premium

Did you know you could save money on insurance for things like clean living and low mileage? Many drivers aren't aware how their lifestyle, choice of vehicle and other factors could help lower their auto insurance premiums.

  • Good Student—Student drivers who maintain a B average may save up to 20%
  • Mature Driver—Drivers 55 or older who successfully complete an accident prevention course and maintain a clean driving record
  • Clean Living—Drivers who refrain from drinking alcohol
  • Anti-theft and Safety Equipment—Cars equipped with airbags, anti-theft devices and other safety devices
  • Defensive Driving Course—Drivers who complete an approved defensive driving course
  • Hybrid Vehicle—Texas helps insurers offer discounts for hybrids and other fuel-efficient vehicles
  • Low-Mileage—People who drive significantly less than the yearly average, 12,000 miles per year
  • Professional Organization—Some professional and social organizations, such as a medical board, state bar association or alumni, offer discounts
  • Multiple Policy Discounts—People who carry multiple insurance policies, such as auto, home and life, with the same company
What You Need to Get Started

Before you talk to your Frost Risk Advisor, make sure to have this information handy:

  • Year, make, model and VIN of your car
  • How many miles you drive each year
  • Driver's license number and number of years licensed
  • Details about accidents or violations in the past three years, including dates, who was at fault, any injuries and the claim amount
  • Safety features on the vehicle
Tips to Help Out in an Accident

If you ever find yourself in an accident, make sure everyone is okay, and then:

  • Call the police and call your Frost Risk Advisor
  • Exchange insurance details (if possible, take a photo of the insurance card)
  • Collect information about the other driver and vehicles involved, such as phone numbers, address, license numbers and year, make and model of autos
  • Take photos of the accident scene and damage to vehicles

Get started by calling (866) 227-2099 or request a call or email.