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Personal Auto

Private Passenger Auto Guideline Highlights1
Submissions Must be digitally signed and bound through our website.
Supporting Documentation Must be uploaded or faxed to company within 2 business days (examples include proof of prior insurance, proof of homeowners, etc.)
Payment Options Paid in Full or two (6-month plan) installment options: 17% down/5 pay with first payment due in 20 days and remaining payments due every 30 days.
Inspections & Photos Required on any vehicle with ANY of the following coverages: UM/UIM; PIP; OTC; Collision; Rental Reimbursement; Towing and Labor; and Additional Customer Equipment. Two photos of opposite corners are required.
Discounts Multi-Car; Prior Insurance with no more than 30 total days of lapse. Prior coverage discounts vary depending on whether there is 6, 12, 18, or 24 months of continuous proof. Renewal Discount, EFT Discount, Homeowner Discount, and Named Driver Discount.
Eligible Vehicles Private passenger autos, sports utility vehicles, pickups and vans as long as the load capacity does not exceed 1 Ton and GVW does not exceed 10,000 pounds.
Liability Coverage Age Limit 40 years
Physical Damage Age Limit 20 years
Business/Artisan Use We accept Insureds that use their vehicle to drive to and from various job sites when the Business Use Surcharge is applied. For example, trades such as carpentry, floor laying, plumbing, etc are acceptable with the extra charge. See full guidelines for more details.
Drivers License We accept out of state licenses, Texas IDs, and foreign ID type Insureds with a surcharge and with the photocopies of their identification submitted to us.

  1. Effective 11/1/2012 (click for full PDF).