Auto insurance is the most familiar type of insurance. Not only is it a legal requirement, but it can provide a layer of protection for your investment.
Broken Spoke Insurance agents actively market your policy to multiple carriers to ensure that you are presented with the most favorable rate possible. Our agents do not just sell you on the lowest cost policy available. We commit to providing you with an education on the available coverages and options. It is very important to us that you know what you are paying for and understand how your policy can work for you.
In addition to speaking directly with one of our friendly staff members, you have the option to submit a quote request using our online rating tool. We want your experience to be tailored to your needs and preferences.
Give us an opportunity to work hard for you!
What do my coverages mean?
- Liability - This coverage is what is required for you to operate legally on public roadways. It provides coverage for damages that your vehicle causes. In Texas, for example, the minimum limits are 30/60/25. That means there is $30,000 coverage available per person that you cause bodily injury to, injuries capped $60,000 per loss and $25,000 for any property damage that occurs (vehicles, signs, houses, etc.). As you can imagine, at any given time you can incur costs that far exceed the minimum requirements.
- Personal Injury Protection (PIP)/ MedPay - PIP and MedPay are coverages that assist you with out of pocket costs for injuries that you may receive in an accident.
- Collision/Comprehensive - Typically these coverages are referred to as “comp & collision” and protect the investment that you have in your vehicle. These coverages have deductibles that will apply during a claim.
- Road Side Assistance/Towing/Rental Reimbursement - The optional coverages provide valuable coverages if you are ever faced with a disabled vehicle that resulted from a claim.