Better rates. Local claims support.

Texas requires $30k / $60k / $25k liability. That will not cover a serious wreck. We shop higher limits across the market — Progressive, Safeco, Travelers, GEICO, Foremost, Liberty Mutual and more — and keep the paperwork here in Longview.

What Texas requires

Bodily injury $30,000 per person / $60,000 per accident, and $25,000 property damage. Those numbers look fine until a hospital bill or a newer vehicle is involved. Greg’s usual recommendation starts at $100,000 / $300,000 / $100,000 — often only a few dollars more per month.

  • Texas minimum: $30,000 / $60,000 bodily injury · $25,000 property damage

  • Next step: $50,000 / $100,000 · $50,000

  • Recommended: $100,000 / $300,000 · $100,000

  • Stronger: $250,000 / $500,000 · $100,000

  • Combined single limit: $300k, $500k, or $1,000,000 CSL

Coverages we actually talk about

  • PIP — pays medical bills and lost wages for you and your passengers, even if the wreck is your fault. Texas does not require it. We recommend it.

  • Uninsured / underinsured motorist — pays when the other driver has no insurance, or not enough. Hit-and-runs live here too.

  • Collision & comprehensive — your car, not the other guy’s. Collision is the wreck; comprehensive is hail, theft, deer, and flood.

  • Glass — windshields take a beating on East Texas highways. Some policies include $0 glass. Ask.

  • Gap — if you finance or lease, collision pays market value, not what you still owe. Gap is typically $3–$5 a month through this office.

Personal auto covers commuting, errands, and trips. Ride-share and commercial use need a different policy — ask us about commercial auto. Call or text (903) 372-1901 for a quote.

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