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Auto Insurance

Auto Insurance

Texas state law requires that you purchase and maintain a minimum of liability auto insurance for your vehicle. This will insure that you have coverage to pay for any accident that you may cause.Let Payless Auto Insurance insure your vehicle today!

  • NO LICENSE, NO PROBLEM!
  • WE ACCEPT MATRICULATE AND INTERNATIONAL I.D.

Coverage Information

Liability Insurance

Liability insurance pays to repair or replace the other driver's car and pays other people's medical expenses when you’re at fault in an accident. The current minimum liability limits are $30,000 for bodily injured, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage.

Bodily Injured (BI) Liability

Bodily Injury coverage provides protection if you injure someone and/ or if an injury in an accident results in death while operating a vehicle. It is important to carry Bodily Injury Coverage in your policy so you can prevent any lawsuit for the injuries that occurred during an accident.

Property Damage (PD) Liability

Property Damage Liability provides protection if your car damages someone else’s property. This includes any property damage done to a vehicle, house, business, etc. Property Damage Liability also pays for any legal defense costs if you are sued as a result of these damages.

Carrying Bodily Injury Liability and Property Damage Liability make up the state minimum required coverage for all Texas drivers.

Liability insurance does not pay to repair or replace damages to your vehicle and/or medical expenses you may incur in an accident at fault. It is because of this reason, we encourage you consider purchasing additional types of coverage such as: medical payments, collision, comprehensive, and uninsured/under-insured motorist.

Comprehensive & Collision insurance help cover the repairs or replacement of your car.

Comprehensive Insurance

Comprehensive insurance will protect your vehicle is it is damaged by something other than a collision (Automobile Crash). Comprehensive will cover incidents such as: fire, theft, vandalism, and a collision with an animal or other covered perils.

Collision Insurance

Collision insurance is a coverage that will repair damages to your vehicle when your cat hits, or is hit by another object. In order to repair your vehicle you will pay a deductible. At Payless Auto Insurance we offer a variety of deductibles that you can choose from. You can have the option to choose for a low deductible, or you can opt in for a higher deductible in order to reduce your premium.

Deductible

Deductible is the term used to describe the amount of out- of- pocket expenses you are responsible for to cover the repairs to your vehicle.  The most common deductible amount includes $250, $500, or $1,000. Keep in mind the lower the deductible is on your policy, the higher the premium. The higher the deductible is, the lower your premium.

Lienholder

A lienholder is commonly added to the policy when you are financing a vehicle through a dealership or a bank. In most cases, you will be notified by the lender if you are required to add a lienholder. This is a service that is free of cost, so if you don’t add the lienholder when initiating the policy you can always do it after.

Uninsured Motorist Bodily Injury (UMBI)

UMBI coverage will pay for you and your passenger(s) injuries, such as a medical expenses, in an accident caused by an uninsured driver.

Uninsured Motorist Property Damage (UMPD)

UMPD coverage will pay for any damage done to your vehicle in an accident caused by an uninsured driver, and/or a hit-and-run driver.

In the state of Texas, you can carry Personal Injury Protection or Medical Payment Coverage to cover the cost of any bodily injuries for you or your passenger (s) regardless of who is at fault.

Medical Payments Coverage

Medical payment coverage can cover $500-$5000 per person for medical, hospital, and funeral expenses for you and any passengers injured in an accident, regardless of who is at fault.

Personal Injury Protection (PIP) Insurance

PIP coverage begins at $2500 and Medical Coverage begins at $5000.00. Personal Injury Insurance will pay for the medical, hospital, funeral, and/ or lost wages incurred by you and any passengers injured in an accident in your car regardless of who is at fault for the accident.

Rental Reimbursement

Rental Reimbursement will guarantee a reimbursement for the expense of a rental car if your vehicle is disabled from an accident or is in the repair shop. Having Rental Reimbursement does not provide coverage if the rental car is being used for leisure purposes.

Towing & Roadside Assistance Coverage

At Payless Auto Insurance we work with several companies that offer towing and roadside assistance coverage to your policy at a low cost. Roadside assistance provides coverage within the United States if you run out of gas, lock your keys inside your car, get a flat tire, or even need a battery boost. Towing coverage will provide a towing for your car to the nearest facility when your car can’t be driven due to a loss.

Home Insurance

Homeowners Insurance

Let Payless Auto Insurance cover what’s more important to you, your home! Here at Payless we offer a variety of coverage’s for homes, mobile homes, single and multi-family dwellings, condos and townhomes. A homeowner’s policy provides the right coverage for your structure using a calculated amount of coverage based on the material and size of your home. A homeowner’s policy provides coverage for the dwelling, liability, personal property, medical payments, and loss of use.

Dwelling Coverage

Dwelling coverage pays for the damages or destruction to the house or any unattached structure such as fences, detached garages, and storage sheds. It will also cover repairs needed for electrical wiring, plumbing, heating, and air conditioning damages if caused by a loss.

Liability Coverage

Liability will cover you against a financial loss caused by a lawsuit for someone’s injuries or property damage. Liability coverage starts at $25,000 and can be as a high as $300,000.

Personal Property

Personal property will cover the contents of your home, including furniture, clothing and appliance in case of a loss.

Medical Payments

Medical payments covers medical bills for people hurt in your property.

Loss of Use

Loss of use will pay for additional living expenses if your home is too damaged to live in after a loss.

Commercial general liability

Commercial General Liability

Commercial insurance is one of our specialties and we use top of the line insurance companies for your commercial needs. An average insurance agency may not have the expertise and knowledge when it comes to commercial insurance. We strive to get you the best coverage for your business. With our knowledge and experience you will find the right coverage for your business. We offer coverage for buildings/business personal properties/liability/umbrella and pretty much whatever your business requires.

We have a wide range of insurance companies for your commercial auto coverage. You have a trailer to hitch ? No problem ! We got you covered. We offer this great program where you get a commercial auto coverage and your trailer is automatically covered for liability. We have A+ carriers for your commercial autos.

Please contact us for more details.

Commercial Auto Insurance

Commercial Auto Insurance

Commercial insurance is one of our specialties and we use top of the line insurance companies for your commercial needs. An average insurance agency may not have the expertise and knowledge when it comes to commercial insurance. We strive to get you the best coverage for your business. With our knowledge and experience you will find the right coverage for your business. We offer coverage for buildings/business personal properties/liability/umbrella and pretty much whatever your business requires.

We have a wide range of insurance companies for your commercial auto coverage. You have a trailer to hitch ? No problem ! We got you covered. We offer this great program where you get a commercial auto coverage and your trailer is automatically covered for liability. We have A+ carriers for your commercial autos.

Please contact us for more details.

business owners

Business Owners Policy

Coming Soon!

SR-22

SR-22 Filing

In Texas, an SR-22 referred to as a certificate of insurance or a financial responsibility filing is required by the Department of Motor Vehicles for high risk insurance policies. It is basically certificate that verifies that you are driving with the right coverage. You only need an SR-22 if it is assigned to you by a judge or if you receive a letter from the Department of Motor Vehicle requesting you have one. Here at Payless we offer. Here at Payless we can help you file for an SR-22 weather you already have an active policy with us or are a brand new customer. Here’s some good news! SR-22 are only temporary, this means that after you finish with the time required to carry and SR-22 you can remove it from your policy at no extra cost. Come in today for a quote on your SR-22 filing.

renters

Renters Insurance

Every year in the state of Texas more landlords are requiring tenants to purchase renters insurance to cover situations such as; fire, theft, water damage, and any other unforeseen circumstance. Renters insurance, like a homeowner’s policy will cover contents inside your residence while also providing liability coverage and medical coverage for your guest. Most landlords only require $100,000 liability coverage and medical payments coverage, while making property coverage and loss of use optional. Here at Payless we offer customized package to fit everyone’s budget and needs.

Liability Coverage

Liability will cover you against a financial loss caused by a lawsuit for someone’s injuries or property damage. Liability coverage starts at $25,000 and can be as a high as $300,000.

Personal Property

Personal property will cover the contents of your home, including furniture, clothing and appliance in case of a loss.

Medical Payments

Medical payments covers medical bills for people hurt in your property.

Loss of Use

Loss of use will pay for additional living expenses if your home is too damaged to live in after a loss.

Motorcycle

Motorcycle Insurance

  • NO LICENSE, NO PROBLEM!
  • WE ACCEPT MATRICULATE AND INTERNATIONAL I.D.
  • We have multiple insurance carriers to choose from for your Motorcycle insurance. Progressive and Dairyland are our top two carriers for your motorcycle insurance needs. We offer affordable rates with low down payment and monthly payment as low as $8.
  • The price may vary based on individual's driving record/license status and other facts, please contact us for more details.
Surety Bonds

Surety Bonds

A surety bond is a contract among three parties; the oblige: the person who is the recipient of the obligation, the principal: the person or business responsible for the payment, and the surety: the insuring party that guarantees to the oblige that the principal can complete all payments. The Texas Department of Transportation requires vehicle owners to post a surety bond if they do not have sufficient proof of ownership of the vehicle. A surety bond can help you register the vehicle under your name and obtain a clear blue title. Once the Department of Transportation issues you a letter with the stated amount required for the surety bond, we can help you by issuing a bond and filling out the bond application.

Mobile Home

Mobile Home Insurance

Coming Soon!

RV Insurance

RV Insurance

Coming Soon!

Boat

Boat/Watercrafts Insurance

Have a boat? Here at Payless Auto Insurance we have just the right coverage for your boat. All of our boat policies include unlimited small accident forgiveness, fuel spill cleanup, wreckage removal, roadside assistance, and watercraft sport coverage. All watercraft policies include coverage to pay for injuries or damages to property for which the owner is liable. You can also add comprehensive and collision to cover for the damages done to your watercraft with a deductible. At Payless Auto Insurance we want to offer you great coverage at an affordable price.

Notary

Notary Public Services

Coming Soon!

Discounts

Multi-Car Discount

The multi-car discount is applied to the policy that has two or more vehicles on the policy. The more vehicles you add to the policy, the cheaper the price is per vehicle.

Proof of Prior Insurance (POP) Discount

You can obtain a discount for having prior insurance of 6 or more months with another carries, without any lapse greater than 30 days. In order to qualify for the discount, the named insured on the policy must be listed on the previous carrier declaration page/ID card.

Homeowners Discount

Homeowners discount is given if you are a homeowner.  In order to receive the home owner’s discount, the home must be registered under the named insured name or spouse name, which must be on the policy.

Marriage Discount

If you are legally or common law marriage you can receive a discount because you are considered a more responsible driver. Your spouse can be either included or excluded from your policy to get a discount.

Paid in Full Discount

By paying your policy premium in full you can receive a discount on the overall price of your 6 month/ 12 month policy.

EFT (Electronic Funds Transfer) Discount

Many companies offer a discount if you are willing to make payments through your bank account, credit card, or debit card via electronic withdrawals every month.