Protection in Denton & across Texas
Auto Insurance
Coverage for every driver in your household
Get the right car insurance, without the runaround
Lance Thomas Insurance helps Denton drivers and families across Texas find the right auto coverage, from a first car for a new teen driver to a household with three vehicles in the driveway. Tell us what you want to cover and we’ll put your options side by side, in plain language.
Bundling auto with home or renters insurance can earn a multi-policy discount.
Rather talk it through? Call (940) 281-2069
Coverage options
What an auto policy can include
Tap any coverage to see what it does and when it matters.
Liability
Pays for injuries and property damage you cause to others.
Liability pays for the other driver’s medical bills, lost wages, and car repairs when an accident is your fault, and it helps with legal costs if you’re sued. Texas requires at least 30/60/25. A hospital stay or a newer truck can blow past those limits quickly, so many drivers choose higher limits to protect their savings.
- $30K
- Injury, per person
- $60K
- Injury, per accident
- $25K
- Property damage
Good to know: If you own a home or have savings, ask about pairing higher liability limits with an umbrella policy.
Collision
Repairs or replaces your car after an accident, no matter who is at fault.
Collision pays to repair or replace your car after it hits another vehicle or an object, like a guardrail, pole, or curb, regardless of who caused it. You choose a deductible, the amount you pay before coverage kicks in. A higher deductible lowers your premium; a lower one means less out of pocket after a claim.
Good to know: Lenders and leasing companies usually require collision until the vehicle is paid off.
Comprehensive
Hail, theft, fire, flooding, and hitting a deer or other animal.
Comprehensive covers damage that doesn’t come from a collision: hail, windstorms, flooding, fire, theft, vandalism, falling tree limbs, and hitting a deer. In North Texas, spring hail is the one most drivers end up using it for.
Good to know: If you only carry liability, hail damage to your own car isn’t covered.
Uninsured Motorist
Protects you when the other driver has too little insurance or none at all.
Uninsured and underinsured motorist coverage steps in when the driver who hit you has no insurance, or not enough to cover your injuries and repairs. Depending on the policy, it can also help after a hit-and-run.
Good to know: Texas insurers must offer this coverage, and you have to decline it in writing if you don’t want it.
Personal Injury Protection
Medical bills and lost wages for you and your passengers.
Personal Injury Protection (PIP) helps pay medical bills, a portion of lost income, and other expenses for you and your passengers after an accident, no matter who caused it. It pays quickly, without waiting for fault to be sorted out.
Good to know: In Texas, PIP is included on your policy unless you decline it in writing.
Medical Payments
Helps pay medical costs for you and your passengers after an accident.
Medical Payments coverage helps pay medical and funeral expenses for you and your passengers after an accident, regardless of fault. It overlaps with PIP but doesn’t cover lost wages, and it can help with health insurance deductibles and copays.
Good to know: We’ll show you how Medical Payments and PIP work together so you aren’t paying twice.
Rental Reimbursement
A rental car while yours is in the shop after a covered claim.
Rental reimbursement pays toward a rental car or rideshare while your car is being repaired after a covered claim, up to a daily limit and a set number of days. Body shop backlogs after a hailstorm can stretch repairs for weeks.
Good to know: Worth considering if your household doesn’t have a second car to fall back on.
Roadside Assistance
Towing, jump starts, flat tires, and lockouts when you’re stuck.
Roadside assistance covers towing, jump starts, flat tire changes, fuel delivery, and lockout help when your car won’t go, whether you’re in your driveway or on I-35.
Good to know: Check whether your car, credit card, or an auto club already includes this so you don’t pay twice.
Coverage availability and limits vary by policy. We’ll walk you through each option before you decide.
Who we help
Coverage for every kind of driver
Every household drives differently. Here are a few of the situations we help Denton-area drivers sort out most often.
Start My Auto QuoteNew & Teen Drivers
Adding a new driver is a big change. We’ll show you how it affects your premium and which discounts can soften the cost.
Home & Auto Bundles
Pairing your car and home policies usually earns a multi-policy discount and keeps everything with one local office.
Multi-Car Households
Two cars, three drivers, one policy. We’ll set up coverage for each vehicle based on how it’s actually used.
Motorcycles, Boats & RVs
Coverage for bikes, boats, campers, and motorhomes, often bundled with your auto policy for easier billing and savings.
How it works
3 steps to a better auto policy
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Share your details
Call, stop by, or request a quote online. Have your license, vehicle info, and current policy handy if you have one.
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Compare side by side
We line up your options against what you have today, so you can see exactly what changes and what it costs.
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Hit the road covered
Pick the policy that fits and we handle the switch. Need to file a claim later? Call the office and we’ll help.
Client reviews
Drivers who made the switch
P. B.Google review · Auto
Recently needed to change agent of record on a motor vehicle policy. Lance was very helpful and researched available options. He saved us over $800 on a 6 month policy update. I highly recommend.
Mary S.Google review · Home & auto
Farmers is awesome. Reasonable cost, great customer service
Darrell A.Google review · Home & auto
Incredible service. Saved me a ton of money and it was a hands free process. Provided them with my current insurance (home/auto), they matched the coverage and it came in significantly less expensive. A simple phone call and a few emails to complete enrollment. Awesome!
Nathan F.Google review · Home, auto & life
If you are looking for life insurance, home insurance, or auto insurance in Denton, TX, definitely give Lance Thomas a call. He is THE HONEST person you are looking for.
Janet E.Google review · Switched to Farmers
This has been a very positive experience, from dealing with the switch, to the savings. Thank you Farmers...
Greg P.Google review · Home, auto & umbrella
Lance Thomas’ Farmers Insurance office has been great to work with in getting quotes for my homeowners, autos and umbrella policies. They were responsive, courteous and competitive. I have enjoyed doing business with them. Thank you!
Auto insurance FAQs
Straight answers about car insurance
Don't see your question here? Give the office a call and we'll help you sort it out.
Talk to the office(940) 281-2069What auto insurance is required in Texas?
Texas requires liability coverage of at least $30,000 per injured person, up to $60,000 per accident, and $25,000 for property damage, often written as 30/60/25. Many drivers carry more, because the minimum can run out quickly after a serious accident.
Do I need full coverage on a financed car?
Usually, yes. Lenders and leasing companies typically require collision and comprehensive until the loan is paid off. We’ll set up your policy to match what your lender asks for.
Does auto insurance cover hail damage?
Hail is covered under comprehensive, not liability or collision. If you only carry liability, hail damage to your own car isn’t covered, which is worth thinking about in North Texas.
Can I add my teen driver to my policy?
Yes. Adding a new driver to your existing policy is usually simpler and less expensive than a separate policy. We’ll walk you through the options and any discounts that may apply.
How can I lower my car insurance premium?
Bundling home and auto, insuring more than one vehicle, keeping a clean driving record, and choosing a higher deductible can all help. We’ll check which discounts you qualify for.
What do I need to get an auto quote?
Your driver’s license, your vehicle’s year, make, and model (or VIN), and your current declarations page if you have one. That’s enough for us to compare coverage side by side.
Ready to shop for a Better Rate?
Send us your current policy or start fresh. We’ll compare coverage side by side and show you where you can save.