Finding the right level of coverage can be challenging. We’re here to help. Many begin their search for auto insurance with an online quote for the state-required minimum coverage. Or maybe they look to satisfy the loan requirements on their vehicle and nothing else.

The insurance advisors at Watkins Insurance Group will work with you to focus more on value, not just cost. No matter your budget, we will help maximize your purchase power with your insurance dollar.

Do You Need to Consider Additional Coverage for Your Vehicle?

Some situations require special consideration:

  • Am I insuring a new vehicle? New vehicles may warrant a specialized approach to insurance coverage. Do you want coverage for the replacement of the new vehicle? Do you prefer OEM parts, or are after-market parts acceptable? Does your vehicle have an exceptionally high value and require agreed value coverage? With so many options, it’s good to know your Watkins Insurance Group Advisor can help you understand what’s available, provide quotes for those options, and discuss your concerns.
  • What if I use my vehicle in my line of business? Did you know that some insurance policies have exclusions and limitations if you use your vehicle in your line of business? We will ask the right questions to help you determine if you need special considerations made to your auto policy to allow for business use of your vehicle. Or, perhaps the right choice for you is a business auto policy. Don’t worry; one of our Business Insurance Advisors can help!
  • Do I need Uninsured/Underinsured Motorist coverage? In many states, including Texas, it is required that you carry uninsured motorist coverage unless you sign a rejection form with your insurance provider. But what does it cover exactly? Do I need it? How expensive is it? Don’t worry, we can help you understand this coverage and help you select a coverage amount you can feel comfortable with.
  • What is “full coverage,” and do I need it? Full coverage is not an actual coverage on an insurance policy. What most people are referring to when they say “full coverage” are the two parts of an auto insurance policy that cover your vehicle for its physical damage. Comprehensive and Collision are two separate coverages and can be purchased together or separately, depending on your needs. Comprehensive coverage provides coverage for theft, vandalism, hail, or hitting an animal. Collision coverage covers damage to your vehicle in the event of an accident. These coverages generally have a deductible, which varies greatly from policy to policy.

We can also talk with you about additional liability coverage called personal umbrella insurance if you are concerned about protecting your assets from a lawsuit. We can provide umbrella insurance quotes along with your quotes for auto insurance.



This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits, and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this website or through email.​