Bosworth & Associates 1818 W SW Loop 323 Tyler, TX 75701
GET YOUR FREE QUOTE NOW(903) 561-2621
Auto insurance isn’t one single coverage. It’s a mix of protections that all do different things.
Most people don’t need to memorize the terms, they just need someone to explain what matters and what doesn’t. That’s where we come in.
Liability covers damage or injuries you cause to someone else.
Texas requires 30/60/25 coverage:
Those limits are the minimum. In a serious accident, they go fast. We usually recommend looking at higher limits so you’re not exposed.
Collision covers your vehicle if you’re in an accident, no matter who caused it.
It comes with a deductible. Higher deductible usually means lower monthly cost, but more out of pocket if you need to use it.
This is for things that aren’t a crash.
Hail, theft, falling limbs, vandalism. In East Texas, hitting a deer falls here too.
If it’s unexpected and not a collision, it’s probably comprehensive.
This covers you if the other driver doesn’t have enough insurance or doesn’t have any at all.
Texas consistently has a high percentage of uninsured drivers, estimated to be around 20%. If the other driver is unable to pay for the damage they caused, this coverage helps make sure you’re not left covering those costs yourself.
PIP helps with medical bills, lost income, and a few other expenses after an accident.
Texas requires companies to offer it, but you can waive it in writing. A lot of drivers keep it because it applies regardless of fault.
Medical Payments is more limited than PIP.
It helps with medical costs after an accident, but it doesn’t cover lost wages or extended expenses. It’s typically used as a more basic alternative to PIP.
We’ve been serving East Texas since 1939, and that kind of longevity doesn’t happen by accident.
People stay with Bosworth & Associates because they know they’re getting real guidance, not just a policy.
We’re not tied to one company.
We compare multiple top-rated insurance carriers, coverage options, and pricing so you’re not stuck with whatever one company decides to offer you.
We understand East Texas driving conditions because we’re part of it.
Storms, rural roads, wildlife, it all factors into how your policy should be set up.
When you call us, you’re talking to someone who knows your name and your situation.
You’re not being routed through a script or pushed toward a quick sale. We take the time to explain things clearly, answer your questions, and help you make decisions you feel confident about.
There’s no single formula. Rates are based on a mix of factors.
Working with an independent agency helps because we can compare car insurance quotes across different companies instead of guessing.
Some of the main ones:
If you want to see where you land, we can put together a free, personalized quote.
We work with drivers across East Texas.
Tyler, Longview, Lindale, Jacksonville, Bullard, Whitehouse, and the surrounding areas. If you’re nearby, we can help.
Keep a clean driving record, bundle policies, and consider a higher deductible.
We can also check if you’re missing any discounts.
It can. Married drivers are often rated lower risk, which can mean lower premiums.
If the repair cost is close to your deductible, it may not be worth filing.
We can walk through that with you before you decide.
Collision is for accidents.
Comprehensive is for everything else like weather, theft, or hitting an animal.
More options, better comparisons, and someone you can actually talk to.
If you’re ready to compare, contact our Tyler office and we’ll get you started.
