Personal insurance
One agent quotes your car, truck or motorcycle with more than 30 auto carriers. That includes drivers with tickets, an accident on record or an SR-22 to file.
Or call
The short answer
You give one agent your drivers, vehicles and driving history, and the agent quotes that same information with several carriers at once. Tree Insurance Agency works with more than 30 auto carriers, so a driver one company turns down or overprices usually has another option. You compare real prices and coverages side by side, then choose.
Auto carriers
30+
Texas minimum liability
30/60/25
Georgia minimum liability
25/50/25
Corporate offices
Texas and Georgia
A captive agent works for one insurance company and can only sell that company’s policy. If that company doesn’t like your driving record or your ZIP code, the answer is a high price or a no. An independent agent is licensed with many companies and works for you. Tree Insurance Agency is independent, and on personal auto that means more than 30 carriers to quote.
The difference shows up most for drivers who don’t fit the standard profile: a teen just added to the policy, a speeding ticket from last spring, a lapse in coverage, a car that’s financed, or a household with five vehicles and four drivers. Each carrier rates those things differently. One may surcharge a ticket for three years, while another barely moves. We see the spread on every quote, and you see it too.
Already have home or life coverage with us? Ask about bundling. Independent agents can bundle when the policies are written in the same agency, and the savings depend on which carriers end up on each policy. Our personal insurance page covers the other lines we write for households.
Every policy is built from the same parts. Here’s what each one pays for, so you can decide which ones are worth it for your car and your budget.
Pays for injuries and damage you cause to other people and their property. This is the part the state requires, and it does nothing for your own car.
Pays to fix your car after it hits another car or an object, no matter who caused it. Lenders and lease companies require it.
Covers damage that isn’t a crash, such as hail, theft, fire, flood water or a deer. On the Gulf Coast and in hail country, this one matters.
Pays for your injuries, and in some policies your car, when the driver who hit you has no insurance or too little.
Pays medical bills for you and your passengers after an accident, whoever was at fault. In Texas, PIP comes on every policy unless you turn it down in writing.
Small add-ons that pay for a rental car while yours is in the shop, plus towing, jump starts and lockouts.
Both states require liability insurance before you can legally drive. The numbers are written as three limits: the most the policy pays for one injured person, for all injuries in one accident, and for property damage.
Texas requires at least 30/60/25: $30,000 per injured person, $60,000 per accident and $25,000 for property damage. Georgia requires at least 25/50/25: $25,000 per person, $50,000 per accident and $25,000 for property damage.
Those are the floors, and they’re low. A new pickup costs more than $25,000, and one night in a hospital can use up a $30,000 limit. If you’re found at fault for more than your limits, the rest can come after your savings, your wages or your home. Most of the families we insure carry higher limits than the minimum. We’ll price two or three limit options so you can see what the extra protection actually costs per month.
After a ticket, an at-fault accident or a lapse in coverage, some carriers raise the price sharply and others decline outright. A few still want the policy at a fair rate. With 30+ auto carriers to quote, we can usually find them and place drivers that a single company turned away.
In Texas, an SR-22 is a certificate your insurance company files with the Department of Public Safety to prove you carry at least the state minimum liability. DPS requires it after certain license suspensions, such as a suspension after a crash, a second conviction for driving without insurance, or a court judgment against you. You keep it in place for two years. If you don’t own a car, a non-owner policy can carry the SR-22. Georgia uses SR-22 and SR-22A filings with its own rules; see SR-22 insurance in Texas and Georgia.
Checklist
A quote takes a few minutes when you have these in front of you. Missing one or two? Call anyway and we’ll start with what you have.
We also insure motorcycles, RVs, boats, ATVs and classic cars. Mention them when you call and we’ll quote them at the same time.
1
Driver’s license number and date of birth for every driver in the household
2
The VIN, or year, make and model, for each vehicle
3
Your current declarations page, so we can quote matching coverage
4
Any tickets, accidents or claims in the last five years
5
Your lender or lease company’s name, if the vehicle is financed
It varies more than most people expect. Your ZIP code, age, driving record, credit-based insurance score, vehicle and chosen limits all move the price, and each carrier weighs them differently. That’s why the same driver can see quotes hundreds of dollars apart. We quote your actual details with several carriers so you get real numbers instead of an average.
Yes. A denial or cancellation from one company says more about that company’s rules than about your chances everywhere else. Some of our 30+ auto carriers specialize in drivers with tickets, accidents or a lapse in coverage. Tell us why the last company said no, and we’ll know which carriers to quote first.
Texas DPS requires you to maintain the SR-22 for two years. The clock starts on the date of the conviction that required it or, for a crash judgment, the date the judgment was rendered. If the policy cancels during that time, your insurer notifies DPS, so keep payments current or call us before a payment is missed.
No state requires full coverage, which usually means liability plus collision and comprehensive. The state only requires liability. If your car is financed or leased, though, your lender will almost always require collision and comprehensive until it’s paid off. Once you own it outright, dropping them is your call.
It isn’t required, but we recommend it. Uninsured motorist coverage pays for your injuries when the driver who hit you has no insurance or too little to cover the damage. In Texas, insurers must offer it and you must reject it in writing if you don’t want it. It costs far less than collision and protects you against other people’s choices.
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