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Texas Car Insurance

Did You know Texas is a tort state, meaning the at-fault driver is required to pay for the other driver’s medical expenses from an auto accident? That is why selecting the right coverage is so important. Let our team help you pick the best coverage at the right price.

What’s Covered?

Texas Car Insurance Coverage

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Liability Coverage

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states.

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Collision Coverage

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.

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Uninsured / Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.

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Comprehensive Coverage

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. 

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Personal Injury Protection

Personal injury protection (PIP), also called no-fault insurance, is available in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident. 

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Medical Payments Coverage

Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.

Car Insurance Discounts

There are multiple ways to save on a Car Insurance Policy. Find out which car insurance discounts you qualify for and start your quote today.

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Bundle and Save

You can save up to 15% on car insurance when you have both a car insurance policy with the same carrier.

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Multiple Car Discount

You may be eligible for a discount if your household insures two or more cars on one carrier policy.

Prior History Discounts

Customers who have no gaps in their coverage are eligible for a discount with most carriers.

Home Ownership Discounts

Most carriers offer a discount on your car insurance if you own a home or condo, even if you insure it with a different carrier.


Discounts for Payment Method

Save based on how you pay your premium. Carriers offer discounts if you pay your policy in full, by paying via EFT, payroll deduction, or by consistently paying your premium on time.

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Protective and Safety Devices

Some carriers offer an anti-theft devices discount when your car is equipped with an audible alarm or a disabling device that renders the fuel, ignition or starting system inoperative.

New Car Discount

When you purchase or own a car that is less than three years old, you may qualify for a discount just for owning a newer model vehicle.

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Going Green Discount

Owning or leasing a hybrid car, you could save on your auto insurance. Being environmentally friendly is now good for Mother Nature and your wallet.

Safe Driver Claims Free Discount

Many carriers reward safe driving. No accidents, violations, or major comprehensive claims in your household for the past few years could save you hundreds.

More Ways To Save..

Every national carrier has unique programs to help drivers save on car insurance premiums. Let our team at Lifetime find you the best policy with the most savings. 

Policyholders with drivers that are fully enrolled in high school or college and maintain a “B” average or better may qualify for a discount.

If one of your dependents goes to school at least 100 miles away and won’t be driving your cars, it may mean that you qualify for a discount.

To encourage young drivers to sharpen their skills with driver training, carriers offer a discount to those drivers who have successfully completed an approved driver education course.

Some carriers offer a low mileage discount if your car is in the driveway more than it is on the road.

Select carriers offer a discount for cars equipped with a factory-installed four-wheel anti-lock braking system (ABS).

You can lower your premium by assuming a part of the loss payment to yourself. For Example, if you have a $500 deductible, you would need to pay the first $500 of a covered loss. Increasing the deductibles generally lower your premium, but increase the amount you must pay yourself if a loss occurs.

Personalized Car Insurance for Every Type of Driver

From car karaoke performances to long, bumper-to-bumper commutes, the team at Lifetime Insurance Services can personalize your car insurance plan to meet your lifestyle and budget.


Select A Coverage

With our assistance, you determine the type and level of coverage that best fits your lifestyle and risk tolerance.


Get A Quote

We do all the heavy lifting to find you the most coverage at the best price based on your personal needs.

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Get Covered

Enjoy the peace of mind that you are covered and that you have a team of professionals here when you need us!

Why Rockwall Texas Loves Us!

Here are just a few of the real Google reviews from our clients.
Read more Google reviews here or leave us a review here.


I had no idea I could save this much over going straight to a single large carrier. I found the same or increased coverage and a better price. They answered every question I had and found the best price. Everything I needed from an insurance agent and more.

P.B. | McKinney TX


Very helpful and friendly staff. I moved all my insurance needs to Lifetime Insurance because of the savings and service. They helped me find the best coverage and price for my car, homeowners, boat, and even my golf cart insurance.

B.D. | Garland TX


Great experience Jon is always helpful, very professional puts together options and explains in detail how they differ. Their team is willing to go the extra mile to get me taken care of! Highly recommend...

M.H. | Rockwall TX


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