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Auto insurance is more than a legal requirement. It is a key part of protecting your finances, your family, and your future. At TWFG-Denise Davis Insurance, we help Texas drivers find auto insurance coverage that fits their needs, their budget, and their level of risk.
As an independent TWFG agency, we compare coverage options from multiple top rated insurance carriers to ensure you receive protection based on your actual needs rather than a one size fits all policy.
Understanding Auto Insurance Coverage
Auto insurance is designed to provide protection against property damage, liability, and medical costs if you are involved in an accident. We help you build a policy that may include the following coverages.
Liability Coverage
Liability insurance helps cover bodily injury and property damage you may cause to others in an accident, as well as legal defense costs. This coverage is required by law in most states.
Collision Coverage
Collision coverage helps pay for damage to your vehicle if it is involved in a collision with another vehicle or object, regardless of fault. Lenders often require this coverage for financed or leased vehicles.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from losses not caused by a collision, such as theft, fire, vandalism, hail, flooding, or hitting an animal.
Medical Payments or Personal Injury Protection
Medical payments and personal injury protection help cover medical expenses for you and your passengers after an accident, regardless of who was at fault. Coverage may also help with lost wages or related expenses.
Uninsured and Underinsured Motorist Coverage
This coverage helps protect you if you are involved in an accident with a driver who has no insurance or has limits that are not sufficient to cover all of the damage caused in an accident. It is also available for a hit and run accident.
Optional Auto Coverage Enhancements & Discounts
Depending on your needs, additional coverage options may include rental reimbursement, towing and roadside assistance, gap coverage for newer vehicles. Popular discounts include bundling discounts for having your auto and home with the same carrier, mileage discounts for drivers with lower milage needs, good driver discounts and good student discounts for youthful drivers with good grades. Additionally, many carriers offer advance quoting discounts for shopping your insurance early!
Auto Warranty Protection
When your stuff breaks, it doesn’t have to break the bank.
In addition to auto insurance, TWFG-Denise Davis Insurance proudly offers Auto Warranty solutions through Arkay. These products are designed to help protect you from unexpected repair costs after your manufacturer’s warranty expires.
Why Consider an Auto Warranty?
Modern vehicles are packed with advanced technology, which makes repairs more expensive than ever. An auto warranty helps you plan for those costs ahead of time instead of being surprised by a large repair bill.
Arkay Auto Warranty Benefits
✔ Helps cover unexpected repair expenses
✔ Protects major vehicle components
✔ Reduces out of pocket repair costs
✔ Keeps your vehicle running at its best
✔ Provides peace of mind long after purchase
Arkay’s products help you avoid costly repairs and keep your prized possessions performing their best without breaking the bank.