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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!

Liability Coverage

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

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.

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 coverage.

Comprehensive Coverage

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

Personal Injury Protection

Personal injury protection (PIP), aka “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.

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.

There are many ways to save on car insurance. Find out which discounts you qualify for today – start with a quote!

Car Insurance Discounts

Bundle and Save

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

Home Ownership Discount

Most carriers offer a discount on your car insurance if you own a home or condo, even if you purchase a home insurance policy through a different carrier.

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.

Multiple Car Discount

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

Discount for Payment Method

Paying on-time pays off! Many carriers offer discounts if you pay your policy in full, pay via EFT, payroll deduction, or by consistently paying your premium on time.

Going Green Discount

Owning or leasing a hybrid car, you could save on your auto insurance. In other words, what’s good for Mother Nature is now good for your wallet!

Prior History Discount

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

Protective and Safety Devices

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

Safe Driver/Claim-Free Discount

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

Car Coverage Options

This can cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat. It can apply to both amateur and professional fishermen.

This covers to a limit if a cat or dog that is injured because of a boating accident.

Potentially covers the replacement cost for loss or damage to your personal property while onboard, or while being carried on or off an insured boat.

This coverage can pay for on-site labor for your tow vehicle or boat trailer, or towing to the nearest qualified repair facility. May also cover your boat or personal watercraft trailer, along with the vehicle used to tow it.

Can cover towing expenses and other emergency services, up to selected limits, if your boat becomes disabled on the water.

Total price protection for boats two years old or younger. That means you get the same features, equipment, and options as the boat you lost, regardless of the cost.

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.

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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