Here are some of the most common coverages in an auto insurance policy. 

• Liability Coverage -Automobile liability insurance is financial protection for a  driver who, while operating a vehicle, harms someone else or their property.  • 

• Uninsured Motorist - Often combined with underinsured motorist protection, this area of coverage is not to be missed - safeguarding against those that don't have insurance or adequate insurance levels. 

• Collision Coverage - Pays for damage to a car without regard to who caused an accident. The company must pay for the repair or up to the actual cash value of the vehicle, minus the deductible. 

• Comprehensive - Ideal for newer cars and those looking for more peace of mind,  comprehensive commonly covers damage that occurs without an accident,  damage that occurs regardless of fault, and other items. 

• Rental Reimbursement Coverage - Auto insurance coverage that pays a set daily amount for a rental car if the policyholder's car is being repaired because of  damage covered by the auto policy. 

• Roadside Assistance - gives you coverage when your vehicle needs to be towed  or you locked your keys in the vehicle or ran out of gas, etc 

Factors that play a role in your auto insurance rates include; your driving record (tickets &  accidents), your credit history, age of driver, state, and zip code you live in. 

Licensed in Texas, New Mexico, Arizona, California & Oklahoma