Auto Insurance · Houston, TX
HOUSTON TRAFFIC IS UNPREDICTABLE. YOUR AUTO COVERAGE SHOULDN'T BE.
I'll compare carriers for your cars and drivers, explain what each option covers, and help you find the right balance of protection and price.
Coverage overview
What Auto Insurance Covers
Every driver is different. I'll help you choose the coverage that fits your cars and your budget, without paying for what you don't need.
Liability
Pays for injuries and damage you cause to others in an accident. Texas requires it to drive legally.
Collision
Repairs or replaces your car after a crash with another vehicle or object, no matter who's at fault.
Comprehensive
Covers theft, hail, flooding, fire, vandalism, and hitting an animal. A big one for Houston weather.
Personal Injury Protection
Personal Injury Protection pays medical bills and lost wages for you and your passengers, any fault.
Uninsured Motorist
Protects you if the other driver has no insurance, or not enough to cover your injuries and damages.
Roadside and Rental
A tow, a flat, or a dead battery, plus a rental car while yours is in the shop after a covered loss.
Who It's For
Drivers shopping for a better fit than their current policy.
Families adding a teen driver.
Anyone who just bought or leased a vehicle.
People who use a personal vehicle for work.
Good To Know
Texas has minimums. Every driver needs at least 30/60/25 liability: $30,000 per person and $60,000 per accident for injuries, and $25,000 for property damage.
PIP and UM must be offered. Insurers must offer Personal Injury Protection and Uninsured Motorist coverage. You can only decline them in writing.
How It Works
Step 1
Tell Me About Your Car.
Share each car's year, make, and model, plus every driver in your house and your current policy.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
BEYOND THE CAR
MOTORCYCLE INSURANCE
Your bike needs its own policy. I'll help you find coverage that fits how and where you ride, in English or Spanish.
Good to Know
In Texas, motorcycles are treated the same as cars when it comes to registration, titling and insurance. That means at least 30/60/25 liability: $30,000 for each injured person, $60,000 per accident and $25,000 for property damage.
Source: Texas Department of Insurance.
Have These Ready:
The year, make and model of your bike
Any custom parts or upgrades you added
Your current policy, if you have one
Liability Coverage
Texas requires liability on your bike, the same as a car. I help you pick limits that fit your life.
Collision and Comprehensive
Covers damage to your bike from a crash, theft, hail or a flood, on the road or parked at your home.
Custom Parts and Gear
Ask about coverage for the custom parts you added and the helmet and riding gear you wear on a ride.
on the water
BOAT INSURANCE
From a weekend fishing boat to a ski boat on the lake, I'll help you cover the boat, the motor and the trailer.
Good to Know
A homeowners policy may cover damage to your boat, but only for a limited dollar amount. It also does not include liability if someone gets hurt while you are on the water. A boat policy can cover both.
Source: Texas Department of Insurance.
Have These Ready:
The year, make and length of your boat
The motor type and horsepower
Where you keep it and where you take it out
Boat, Motor and Trailer
Covers your boat, the motor and the trailer you haul it on, on the water, on the road or in storage.
Boat Liability
Covers damage to your bike from a crash, theft, hail or a flood, on the road or parked at your home.
Where You Take It
Lake Conroe, Galveston Bay or the Gulf. I check that your policy covers the waters where you go out.
ON THE ROAD
RV AND TRAVEL TRAILER INSURANCE
Whether you take a motorhome across Texas or tow a trailer to the coast, I'll help you cover the trip and the RV.
Good to Know
Texas law requires an auto policy with liability coverage on your motorhome to pay for accidents you cause. A travel trailer is different. You probably need a separate RV policy or endorsement to cover damage to the trailer itself.
Source: Texas Department of Insurance.
Have These Ready:
Motorhome or trailer, plus the year, make and model
How often you use it, and if you live in it full time
Where you store it when it is not in use
Motorhomes
Texas requires liability on a motorhome. I can help you add coverage to protect your RV itself, too.
Travel Trailers
A trailer often needs its own policy or endorsement to cover damage to it, even when you are towing.
Parked or in Storage
Coverage for your RV at the campsite, in the driveway or in storage for the months it is not in use.
EXTRA PROTECTION
UMBRELLA INSURANCE
A serious accident or injury claim can cost more than your home or auto policy pays. An umbrella policy adds a layer of liability on top, in English or Spanish.
Good to Know
Your umbrella policy kicks in after your auto or home insurance stops paying. It covers everyone in your household, and coverage usually starts around $300,000 and pays up to at least $1 million.
Source: Texas Department of Insurance.
Have These Ready:
Your current home and auto policies.
The liability limits on each one.
Who lives in your household and who drives.
Above Home and Auto
Picks up where your home or auto policy stops paying if you are sued for more than its limits allow.
Your Whole Household
Covers everyone in your household, including a teen driver, so one policy protects the whole family.
More Than Injuries
Some policies also cover claims like false arrest, defamation or slander. I check what yours covers.
OFTEN PAIRED WITH
Your car is one part of the picture. Here is the coverage I often review alongside auto.
Home Insurance
Protects the home you live in and what is in it.
Umbrella Insurance
Extra liability above your home and auto limits.
Commercial Auto
For vehicles used for work or owned by your LLC.
Frequently Asked Questions
COMMON QUESTIONS
Is full coverage required in Texas?
No. Texas only requires liability. If your car is financed or leased, your lender will usually require collision and comprehensive too.
Does my policy cover rideshare or delivery driving?
Usually not while you're working. Tell me how you use the vehicle and I'll find the right coverage.
Should I keep PIP and Uninsured Motorist?
They're optional, but they protect you and your passengers no matter who's at fault. I'll walk you through what you'd give up before you decline either one.
Can I bundle auto with my home?
Many carriers offer a discount when you bundle home and auto. I'll show you both ways so you can compare.
Does my auto policy cover hail and flooding?
Only with comprehensive coverage. Liability alone doesn't cover damage to your own car.
TALK TO KEVIN
Questions About Your Auto Insurance?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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