Auto Insurance in Houston, TX
Auto insurance helps Texas drivers cover the costs of crashes and other unexpected situations on the road. Universal Insurance Agency offers the right coverage for their budgets and long-term goals.
What Does Auto Insurance Cover?
Standard auto insurance policies may include the following coverage options: 
- Liability insurance is generally required by law and may pay for injuries or property damage you may cause to others in an accident.
- Collision coverage may cover the cost of repairing or replacing your vehicle after a collision, regardless of fault.
- Comprehensive coverage may apply to noncollision events such as theft, vandalism, fire or weather-related damage.
- Uninsured/underinsured motorist coverage may help if you’re involved in an accident with a driver who has insufficient or no insurance.
What Optional Coverages Can I Add to My Policy?
You can enhance your current policy with add-ons, such as:
- Gap insurance
- Replacement cost coverage
- Rental car reimbursement
- Roadside assistance coverage
- Custom parts coverage
How Much Does a Premium Cost?
The cost of your coverage may depend on factors like:
- Your driving experience and record
- The type and age of your vehicle
- The coverage limits and deductible you choose
- Where you live and regularly drive
What Steps Should I Follow to File a Claim?
Filing a claim usually requires completing these steps:
- Report the incident: Notify your insurance provider promptly after the event.
- Gather essential details: Document important information, including names, contact information, dates, locations and photos of damage.
- Provide policy information: Keep your policy number and vehicle details handy when contacting the insurer.
- Follow the guidance provided: Your insurance team will outline the next steps and the documents you’ll need.
- Stay in touch: Monitor updates and provide additional information if requested.
Get Started Today
Contact Universal Insurance Agency to discuss your options and get an instant insurance quote online.