Auto Insurance Agents in Fort Worth, TX
Whether you’re a new driver or have years behind the wheel, our licensed agents compare auto policies from the companies we represent and explain your options in plain language.
What auto insurance is
Auto insurance is a contract between you and an insurance company: you pay the premium, and the company pays your covered losses as your policy defines them. It protects you against financial loss if you have an accident or your car is stolen.
Most auto policies run for six months or a year. Your insurance company should let you know when it’s time to renew and pay your premium. If you finance a car, your lender may have its own coverage requirements.
Common auto coverages
These are the main parts of an auto policy. Texas requires liability; the others you choose based on your car, budget and needs.
Liability
Pays for injuries and property damage you cause to others in an accident.
Collision
Pays to repair your vehicle after a crash, minus your deductible.
Comprehensive
Covers non-collision losses such as theft, hail and other weather damage.
Personal injury protection (PIP)
Helps pay medical costs for you and your passengers.
Uninsured / underinsured motorist
Protects you if the other driver has too little insurance or none.
Medical payments
Helps with medical and, in some policies, funeral expenses after an accident.
Texas minimum liability limits
Texas law requires every driver to carry at least this much liability insurance, often written as 30/60/25:
| Coverage | Minimum required |
|---|---|
| Bodily injury, per person | $30,000 |
| Bodily injury, per accident | $60,000 |
| Property damage, per accident | $25,000 |
Why you need auto insurance
Auto insurance is about protecting yourself financially and legally:
- If you’re in an accident or your car is stolen, it can cost a lot to repair or replace it
- Medical costs for you or your passengers can be extremely expensive
- If you cause damage or injury to others, you could be sued for more than you’re worth
- Texas law requires you to carry at least minimum liability coverage
Questions to ask your agent
Your independent agent is your advocate. Come ready to talk about:
- Your deductibleHow much could you pay after an accident? A higher deductible usually means a lower premium.
- DiscountsAsk about good-driver, multi-car, student and bundling discounts.
- Service and claimsHow the company handles claims, who to call and what happens next.
How we help
- ListenYour vehicles, drivers, driving record and budget.
- CompareOptions and prices from the insurance companies we represent.
- Set it upWe help you apply and explain what your policy covers.
- Stay in touchHere for changes, claims questions and renewals.
Why work with us
- A local office at 109 E Rosedale St, Fort Worth, open Monday to Friday, with weekend appointments
- Licensed insurance agents: Crystal Schuder, Harley Schuder and Carolina Cox
- An independent agency, so we can compare more than one insurance company
- Free quotes with no obligation
- Help in English or Spanish
- Home, auto, life, business and Medicare under one roof
Carolina Cox on our team can help you in Spanish.
Auto insurance questions
Straight answers to what people ask us most. Don’t see your question? Ask a licensed agent.
What is the minimum auto insurance required in Texas?
Texas requires at least $30,000 of bodily injury coverage per person, $60,000 per accident and $25,000 for property damage. Higher limits give you more protection.
What auto coverages are available in Fort Worth?
Common options are liability, collision, comprehensive, personal injury protection (PIP) and uninsured/underinsured motorist coverage. The right mix depends on your car, how you drive and your budget.
How can I lower my auto insurance rate?
Comparing quotes from more than one company, bundling auto with home or renters insurance, keeping a clean driving record and asking about safe-driver, good-student and multi-car discounts can all help.
What affects my auto insurance premium?
Insurance companies look at your driving history, age, the type of vehicle, where you live, the coverage and deductibles you choose and, in many cases, your credit-based insurance score.
How do I file an auto insurance claim?
Contact your insurance company as soon as you can after an accident. Have photos, a police report if there is one, and any witness details ready. We can help you understand the next steps.
Can you add a vehicle or send me an ID card?
Yes. Existing clients can use our online forms to add a vehicle or request an ID card, or call or text us at (817) 353-2017.
Serving Fort Worth and Tarrant County
From our Fort Worth office we help clients in person, by phone and online across the Dallas–Fort Worth area.
What our clients say
Reviews from our clients on Google.
Great Job Harley and have a Happy New Year
He wanted to see what other insurances were available to him. Since he is receiving insurance through his retirement package she walked us through what questions to ask the human resource department.
Harley, has spent hours working with us over the past months. We highly recommend her!!!
Get your auto insured
Compare auto options with a licensed local agent. Free quotes, no obligation.