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David King Insurance Services LLC

549 E. Sandy Lake Road
Suite 100
Coppell, TX 75019

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Texas Insurance Blog

Do I need to have more than basic auto insurance

Texas is a state that is known for its wide-open spaces. Your car is vital to your everyday life. Like almost every state, Texas has requirements for the basic amount of auto insurance you are required to carry. At David King Insurance Services LLC in Coppell, TX, we work diligently to provide the highest customer service level to everyone who comes to us for insurance assistance. As independent agents, we work for our customers, not for a single insurance carrier, and we can offer more choices and competitive premiums. 

Before you can decide if you need more than basic auto insurance, you need to know what is considered basic auto insurance in the state of Texas. Basic liability insurance is what is required in the Lone Star state. This is commonly called 30/60/25. What that means is you must have $25,000 liability insurance for any property damage you may cause and $30,000 for injury to a person, and up to $60,000 per accident. This will help to pay medical expenses and then any legal action taken against you. 

Basic liability is fine if you don’t have many assets, but if you are successful, you might need to have more protection. If you have an auto loan, you will need to have collision and comprehensive coverage on the vehicle. This repairs or replaces the car if you are at fault or the other driver is uninsured or underinsured. Most people opt for this coverage because we all count on our vehicles every day, and having to pay for a repair or replacement is a hardship. 

If you are looking for a new insurance agent or ready for your first auto insurance at David King Insurance Services LLC in Coppell, TX, we are ready to help you out. Please stop by our office or give us a call for a no-obligation quote. 

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!


Partner Carriers

  • AIG
  • Allstate
  • American Modern
  • ASI
  • Bankers Insurance Group
  • Blue Cross Blue Shield
  • Bristol West
  • Chubb
  • CNA
  • Dairyland
  • Encompass
  • Foremost
  • Gainsco
  • Hallmark
  • Harleysville
  • Infinity
  • Kemper
  • Liberty Mutual
  • Mercury Insurance
  • MetLife
  • Mutual of Omaha
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Texas Mutual
  • Travelers
  • Utica
  • Zurich