Auto Insurance

Texas auto Insurance is mandatory insurance that covers damages and injuries to the driver, passengers, his passengers, third parties, and anyone who has been injured by the insured’s car.

It also provides coverage in case of natural or man-made disasters that affect the person concerned, such as theft or vandalism.

You can choose between different levels of coverage: liability, comprehensive, collision, and uninsured motorist coverage.

When choosing auto insurance, it is important to consider factors like how often you drive and what type of car you own. Also consider whether you are a good driver, as this can lower your rates.

In the end, having adequate auto insurance is an essential part of being a responsible and safe driver. It can help you protect your property and ensure that you are covered in case of an accident or other incident.

So be sure to choose the coverage that is right for you and stay safe on the road!

What are the different types of car insurance?

You might be looking to build your own personalized auto coverage plan, or maybe you would like to have a little more knowledge about a necessary part of car ownership. Regardless of the circumstances, we want you to be as educated as you can be. Below is a quick overview of various car insurance coverage types:


  • Covers the cost of injury to others and damage to their property when you’re at fault
  • Required by law in nearly all states


  • Pays to repair or replace your own vehicle when you’re at fault
  • Covers collisions with other vehicles, objects and animals


  • Covers damage to your car caused by things besides a collision
  • Includes hail, wind, theft, fire, vandalism, animal damage and more

Uninsured / Underinsured Motorist

  • Covers your losses caused by an uninsured or underinsured driver
  • Helps pay for damage to your car and bodily injury to you and your passengers

Medical Payments

  • Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
  • Provides this coverage no matter who’s at fault

Personal Injury Protection (PIP)

  • Helps cover the cost of your rehabilitation and lost wages resulting from an accident
  • Covers you no matter who’s at fault

Towing and roadside service

  • Provides 24/7 roadside assistance if your car is disabled
  • Helps pay for towing, tire changing, locksmith service and jumpstarts

Rental Car Reimbursement

  • Covers the cost of a renting a car for up to 30 days while yours is repaired
  • Arrangements and billing can be handled by our Carriers


    • Helps protect drivers for rideshare companies like Uber and Lyft
    • Provides coverage during periods not covered by company or personal insurance
    (432) 300-5425

    Loss of Use

    • Provides a flat sum for transportation while your car is repaired
    • Can be used for public transit, rentals, taxis and rideshare services

    Guaranteed Value™

    • Pays you a defined, agreed-upon value if your car is a total loss
    • Popular option for owners of classic and collector cars

    Customized Equipment

    • Covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels
    • Available on any vehicle with collision and comprehensive coverage

    Personal Umbrella

    • Provides additional liability coverage — above the limits on your auto policy
    • Helps protect your assets from lawsuits

    Glass Deductible Buyback

    • Covers windshield and glass repair and replacement
    • Low $100 deductible (the portion you pay yourself)

    Full Windshield and Glass Coverage

    • Offers $0 deductible on glass repair and replacement
    • Pay nothing out of pocket

    Spare Parts Coverage

    • Covers the cost to replace spare parts you keep on hand, up to $750
    • Popular choice for owners of classic and collector cars

    Original Equipment Manufacturer (OEM)

    • Covers the cost of using factory-original parts in covered repairs
    • Available on cars up to 10 years old

    New Car Replacement Coverage

    • Covers the cost to replace your car with a new one of the same make and model
    • Available when your car is totaled within the first two model years and 24,000 miles

    Accident Forgiveness

    • We forgive one at-fault accident for every three years you drive without one
    • Keeps your premium from going up because of just one accident

    Contact Us

    Get An Immediate Insurance Quote

    *By subscribing, you agree to receive recurring automated marketing and informational text messages from Mike Lively Agency at the mobile number provided, which may be sent via an auto dialer. Consent is not a condition of any purchase. Msg & data rates may apply. Msg frequency varies. Reply HELP for help, STOP to cancel. View our Privacy Policy and Terms of Service at

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Office Hours

    08:30 am – 05:30 pm

    08:30 am – 05:30 pm

    08:30 am – 05:30 pm

    08:30 am – 05:30 pm

    08:30 am – 12:00 pm

    By Appointment