Auto Insurance Frequently Asked Questions

Texas law requires all drivers to carry minimum liability insurance coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. This is often written as 30/60/25 coverage. While this is the legal minimum, we recommend higher limits to better protect your assets.

Getting an auto insurance quote with KatyInsure is quick and easy! You can call us at +1 (504) 203-6562, visit our office, or request a quote online through our website. Our experienced agents will gather information about your vehicle, driving history, and coverage needs to provide you with competitive rates.

Yes! We offer several discounts to help Katy drivers save on their auto insurance premiums, including multi-policy discounts (bundling home and auto), safe driver discounts, good student discounts, anti-theft device discounts, and pay-in-full discounts. Ask our agents about all available discounts when getting your quote.

In most cases, you can get auto insurance coverage the same day you apply! Once you provide the necessary information and payment, your policy can be activated immediately. We understand that you need coverage right away, especially when purchasing a new vehicle or renewing an expiring policy.

Absolutely! Our online client portal allows you to manage your auto insurance policy 24/7. You can view your policy documents, make payments, update your vehicle or driver information, file claims, and even print your insurance ID card from anywhere with internet access.

Liability coverage pays for damages you cause to others in an accident. Collision coverage pays for damage to your vehicle from collisions with other vehicles or objects. Comprehensive coverage pays for damage to your vehicle from non-collision events like theft, vandalism, weather damage, or hitting an animal. While only liability is legally required, we recommend all three for complete protection.

Uninsured/underinsured motorist (UM/UIM) coverage protects you if you're in an accident with a driver who has no insurance or insufficient coverage to pay for your damages. This coverage can pay for your medical expenses, lost wages, and vehicle repairs when the at-fault driver can't cover the costs.

Rental car reimbursement coverage pays for a rental vehicle while your car is being repaired after a covered accident. This optional coverage typically costs just a few dollars per month but can save you significant money if you need a rental car. Consider your daily transportation needs when deciding if this coverage is right for you.

You can file a claim 24/7 by calling our claims hotline at +1 (504) 203-6562, through our mobile app, or via our website. Have your policy number ready, along with details about the incident including date, time, location, and any police report numbers. Our claims team will guide you through the entire process.

Simple claims with clear liability and minor damage are often resolved within 3-5 business days. More complex claims involving injuries, disputed liability, or extensive damage may take longer. Our dedicated claims team will keep you updated throughout the process and work to resolve your claim as quickly as possible.

Not necessarily. Rate increases depend on factors like fault, claim amount, and your claims history. If you weren't at fault, your rates typically won't increase. Even if you were at fault, many insurers offer accident forgiveness for first-time incidents. We'll review your specific situation and explain any potential rate changes.

We offer numerous discounts to help you save, including: multi-policy (bundle home and auto), safe driver (3+ years accident-free), good student (full-time students with B average or better), anti-theft devices, airbags/anti-lock brakes, pay-in-full, electronic billing, and loyalty discounts for long-term customers.

Safe driver discounts can save you 10-25% on your auto insurance premium, depending on your driving record and the insurer. Drivers with 3-5 years of accident and violation-free driving typically qualify for the best rates. Maintaining a clean driving record is one of the most effective ways to keep your insurance costs low.

Yes! We offer good student discounts for full-time students under 25 with a B average or better. For seniors, we offer mature driver discounts for drivers over 55 who complete an approved defensive driving course. Both discounts can provide significant savings on your auto insurance premiums.

In Texas, insurers can use your credit-based insurance score as one factor in determining your rates. Generally, higher credit scores correlate with lower insurance premiums, as statistical data shows these drivers tend to file fewer claims. However, we consider multiple factors beyond credit when determining your final rate.

Letting your auto insurance lapse can result in serious consequences, including fines, license suspension, vehicle registration issues, and significantly higher premiums when you reinstate coverage. Texas requires continuous insurance coverage for all registered vehicles. We offer flexible payment options to help you avoid lapses.

If your car is registered and could potentially be driven, Texas law requires it to have liability insurance. However, if you've officially placed your vehicle in storage with the DMV and removed the plates, you may be able to suspend coverage. Consider comprehensive-only coverage if storing a valuable vehicle to protect against theft, vandalism, or weather damage.