What is Auto Insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto Insurance Coverage Options

An auto insurance policy provides both vital and convenience coverages. Differentiating between the two is not always clear. Allow a Houston General Insurance Independent Agent to educate you on policy coverages to avoid unpleasant surprises.

Your auto insurance policy is comprised of the following basic coverages:

A. Bodily Injury and Property Damage Liability
B. Medical Payments Coverage or Personal Injury Protection
C. Uninsured Motorist/Underinsured Motorist (UMBIPD/UIMBIPD)
D. Comprehensive – Other than Collision
E. Collision Coverage

The following Optional Coverages are available:

• Rental Reimbursement
• Roadside Assistance
• Auto Loan Lease

Texas law requires all drivers carry Liability Insurance. We are required to offer you Uninsured Motorist/Underinsured Motorist Coverage, UM/UIM and Personal Injury Protection, PIP. Either coverage UM/UIM or PIP may be accepted or rejected by you. In the absence of a written rejection you will be provided at least a basic coverage of each.


Auto liability insurance protects you from accidental damages caused by you to other people or property. It is typically sold in increments of per person / per accident bodily injury and property damage. For example, 100/300/100 provides $100,000 in coverage for each injured person up to a maximum of $300,000 per accident for all bodily injuries. There is also coverage in this example for $100,000 in property damage.

Auto Discounts: Opportunities to save

  • •  Advance Quote Discount
  • •  Account Discount
  • •  Low Mileage Discount
  • •  Full-Pay or 2 Pay Discount
  • •  Defensive Driver Safety Course Discount
  • •  Good Student Discount
  • •  Driver Training Discount
  • •  Remote Student Discount

Advance Quote Discount:
A discount up to 1.5% is applied to the auto policy quoted at least 4 days in advance of policy effective date.

Account Discount:
Bundling your HGI auto with a HGI homeowners, renters, or condo policy with save you 15% on the auto policy.

Low Mileage Discount:
Vehicles driven less than 2,500 miles annually receive a savings of 10%.

Full Pay or 2 Pay Discount:
Auto policies paid in full or with the 2 pay option receive an 8.5% savings discount.

Defensive Driver Safety Course Discount:
Drivers who have completed an approved driver safety course are eligible for a defensive driver safety course discount.

Good Student Discount:
Students age 16 and older that meet the minimum grade requirements are eligible for additional savings on the auto policy.

Driver Training Discount:
We offer a discount for young drivers under age 21 that successfully complete a qualifying driver’s education course.

Remote Student Discount:
Household dependents under age 25 are eligible for additional savings if they attend school at least 100 miles away with no access to an insured vehicle.