Auto Insurance

Car insurance is required

In Texas you’re required by law to carry car insurance. How do you know the correct amount and type of coverage you should carry?

It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?  An independent agency, like The David Nix Agency, can help you select the right coverage for you, at the most competitive rate.

In Temple, Belton and Killeen The David Nix Agency can help you select the best auto insurance protection that is within your budget.

There is a difference

You may think you want the cheapest insurance you can find, but cheap isn't everything.  Most of the time you get what you pay for.

While some insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile coverage. 

Contact us today, our office is conveniently located in Temple, Texas.  We are here locally and we'll help you protect what matters most.  

What’s insurance for, anyway?

Leading Causes of Texas Auto Accidents

  • Failure to control speed: 108,466 collisions.
  • Driver inattention: 82,833 collisions.
  • Failure to drive in single lane: 27,073 collisions.
  • Failure to yield while turning left: 25,981 collisions.
  • Unsafe lane change: 23,572 collisions.
  • Following too closely: 23,333 collisions.

Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.

Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.

Contact us today, we’ll show you all of your options, recommend the right limits, and make sure you receive every discount you deserve.

Auto insurance: required and additional protection

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else.

An auto insurance policy is a contract between you and your insurance carrier. Texas requires all personal automobile policies to offer minimum limits of liability.  In addition to offering the minimum required limits, The David Nix Agency offers other limits to fit your insurance needs.

Liability Insurance: Liability is the coverage that will pay for bodily injury and property damage caused to a third party as a direct result of negligence by an insured driver.

Comprehensive & Collision Coverage: Collision coverage protects your insured vehicle in the event of an accident whether you are considered at fault or not.  Comprehensive coverage will pay for damages to your vehicles that result from causes other than a collision. These may include damages from theft, fire, vandalism, natural disasters or striking an animal.

Uninsured Motorists Coverage: Uninsured Motorists coverage pays for your damage incurred if you’re struck by someone who doesn’t have auto insurance.

Under insured Motorists coverage will also protect you if the driver who causes more damage than his or her liability coverage can cover.

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.  The David Nix Agency, can help you select the best coverages to fit your needs at the most competitive price.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile.

Contact us today, and we'll help you protect what matters most.