☰ ˟
Español Call Us
Logo
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Quote Form (short)
      • SR22 Insurance
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
    • Commercial Auto Insurance
    • Final Expense
    • Homeowners
    • Motorcycle
    • Renters
  • Customer Service
    • Online Account Access
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
  • Blog
  • Make a Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Low Rate Insurance Agency of Texas, Inc.
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Get A Quote Auto
Get A Quote Homeowners
Get A Quote Renters
Get A Quote Business
Get A Quote Life
Get A Quote Motorcycle
Home > Auto Insurance - Arlington, Grand Prairie, Mansfield, TX

contact us!

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Short Form
SR22 Insurance

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Auto Policy
Add Vehicle to Existing Auto Policy
Remove Driver from Existing Auto Policy
Remove Vehicle from Existing Auto Policy
Request Declaration and Coverages Page for Auto Policy
Request ID Card for Auto Policy
Send Declaration and Coverages Information to Lien Holder

Auto Insurance Information

Auto Insurance

Arlington, Grand Prairie, Mansfield, TX


What is Auto Insurance?

 

For most people, auto insurance is necessary for an adequate insurance portfolio. If you own or operate a motor vehicle, this type of coverage is not only essential, it may even be legally required. Even safe drivers who take good care of their cars need to understand the benefits and protections provided by auto insurance. 

The insurance professionals at Low Rate Insurance Agency of Texas have over 30 years of experience helping clients in the Arlington area assess and address their auto coverage needs. 

How Does Auto Insurance Work? 


As their name may suggest, auto insurance policies exist to protect policyholders and other parties following an incident related to their vehicle. By paying a premium, policyholders can access critical financial aid if their vehicle is damaged or they are responsible for other parties’ losses and damages. In general, once your expenses exceed your deductible, your insurer will begin providing funds to help with the remaining costs. 

Most auto insurance includes coverage for policyholders and family members named in the policy.  

Standard auto coverage is intended only for drivers who use their vehicles for personal reasons, such as commuting to work, running errands or taking trips. If you plan to use your car for commercial purposes, such as for delivery or rideshare services, you will likely need to acquire additional coverage. 

What Does Auto Insurance Cover? 

Auto insurance policies can vary regarding what incidents are covered. In general, most people should consider the following components: 

  • Liability coverage—If you or someone else insured under your policy are responsible for an incident, this coverage can provide restitution for the following:
  • Medical expenses—If another party is injured or killed in an accident for which you are liable, your insurance may help pay for medical care, funeral costs and lost wages.
  • Property damage—If you are at fault for another party’s property or vehicle damage, this coverage can provide financial assistance for repairs or replacement costs.
  • Medical payments (MedPay) coverage—This coverage can help pay for medical expenses incurred by you or your passengers following an accident, regardless of who was at fault.
  • Personal injury protection (PIP) coverage—PIP is similar to MedPay coverage, but it provides additional coverages. In addition to providing coverage for medical expenses, it may also be able to help with lost wages, home care expenses and funeral costs.
  • Collision coverage—If your vehicle is damaged in a collision with another automobile or an object, such as a tree or sign, this coverage can help pay for your losses.
  • Comprehensive coverage—This coverage can provide financial assistance for damage suffered from incidents other than those covered by collision coverage, such as fires, vandalism, theft and severe weather.
  • Uninsured/underinsured motorist coverage—If you are not at fault for an accident but the guilty party does not have adequate auto insurance to pay for damages, this coverage can help compensate you for damages.


 
How Much Auto Insurance Do I Need? 

Auto insurance requirements may vary depending on where you live and drive. For example, Texas is one of 49 states where the law mandates liability coverage. Our agents can help you determine other legal requirements and coverage necessities. 

In general, providers must consider the following factors when determining the cost of your auto insurance: 

  • Age
  • Driving record
  • Location
  • Vehicle usage (e.g., travel distance, frequency of use)
  • Vehicle details (e.g., make, model, assessed value)
  • Policy details (e.g., deductibles, coverage limits)
  • Prior claims history



Get the Right Coverage 

The right auto insurance policy protects not only you and your vehicle, but others with whom you share the road, including passengers, other drivers and pedestrians. Given the many different incidents and risks related to operating a motor vehicle, the importance of adequate auto coverage cannot be overstated. 

At Low Rate Insurance Agency, our agents are ready to help. We will consider your circumstances and work with you to build a policy suitable for your needs. Contact us today to get started. 

Additional Resources:

  • Car Thefts Increasing: Protect Your Vehicle
  • Understanding Your Auto Insurance Policy
  • 5 Tips on How to Get the Most from your Auto Insurance Policy
  • Insuring Your Teen without Breaking the Bank
  • What You Should Do If You Are In an Accident in Arlington Texas
  • Can I Still Get a Good Auto Policy with a DUI?
  • Tips to Prevent Road Rage (Don't get mad, get Low Rate Insurance)
  • 8 Car Insurance Discounts You Need to Know About
  • More auto insurance articles
Insure Your Needs
Resources
Products
Our Carriers
About Us
Blog
Employees
Contact Us
Contact Us
1900 E Abram St.
Arlington, TX 76010

P: 817-635-0375
© Copyright. All rights reserved. Powered by Insurance Website Builder.