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Put Your Worry in the Rearview

Driven to the edge by all the drama? We take the guesswork out of insurance, making it easy to understand and simple to choose. No drama.

What’s Covered?

Liability Insurance

Covers injuries or damages to the other driver and their property. This does not cover injuries or damages to you or your property. The minimum required coverage for liability insurance is $30,000 per person for Bodily Injury, $60,000 per accident, and $25,000 for Property Damage. This is the lowest amount of coverage you can have for auto insurance in the state of Texas.

Comprehensive & Collision

Together these offer full protection when your vehicle is damaged. Comprehensive insurance covers your car from damages caused by fire, theft, vandalism, or hail. Collision insurance also covers damages to your car caused by a collision with another car or an object.

Personal Injury Protection (PIP)

Covers certain medical expenses and loss of wages incurred as a result of an accident. PIP covers you and your passengers in the vehicle, minus standard deductible payments, before a payout is given.

Uninsured & Underinsured Motorist

Covers you from damages resulting from a driver who caused an accident and does not have any, or enough, insurance to cover the incurred damages.

Medical Payments

Covers medical costs which include medical bills, dental care, and/or funeral expenses as a result of an accident. This coverage pays regardless of who is at fault for causing the accident.

Rental Reimbursement

If you are in an accident and need a rental car while your vehicle is being repaired, this covers the cost of the rental.

Towing & Roadside Assistance

This can be added to your policy to use in case your car breaks down or you get stranded on the side of the road.

Want to Learn More?

Check out our Glossary of Terms.

Auto Insurance FAQ

State law requires drivers to be able to pay for the accidents they cause. Most people meet this requirement by buying automobile “liability” insurance. Liability insurance pays to treat people injured in an accident that you cause. It also pays to repair or replace the other driver’s damaged property.

 

Minimum coverage might not be enough to cover your financial obligations if you cause a serious accident. It is a good idea to consider raising your coverage limits. However, raising your coverage limits will increase your policy premium.

You will need to add “collision” coverage to your policy to cover your car if it’s damaged in an accident that you caused (up to ACV limits). “Comprehensive” coverage will help repair or replace your car if it’s stolen or damaged by hail, fire, road debris, vandalism, or other similar covered risks (up to ACV limits). State law does not require you to have comprehensive and collision coverage. However, if you still owe money on your car, your lender will probably require you to have this coverage. If your car is damaged in an accident caused by another driver, the other driver’s insurance will pay to fix your car, up to the other driver’s policy limits.

Driving without auto insurance is against the law. A law enforcement officer will require you to show proof that you have auto insurance during any traffic stop. Your insurance company will provide you with an “insurance ID card” that will qualify as your proof of insurance. The card will explain the basic features of your auto policy, including the dates the coverage begins and ends. You should keep your insurance card with you while driving. If you are unable to show proof of liability insurance, you could face a fine, have your vehicle impounded or you could even have your driver license suspended.

 

The financial consequences of driving without insurance can be even more severe. If you cause an accident, you will be financially liable for any resulting injuries or property damage. In the event of a serious accident, you may have to pay tens of thousands of dollars out of your own pocket. If you can’t pay the amount you owe, you could be sued, and a court could order that the money be deducted from your current and future earnings. In addition, it could also mean that the person injured in the accident will have difficulty receiving the medical care necessary for a complete recovery.

No. All applicants for a driver’s license must show proof of insurance to get a driver’s license. You´ll have to show proof of insurance regardless of whether you´re getting a driver’s license for the first time, renewing your driver’s license, or getting a driver’s license after moving from another state.

You have to show proof of insurance any time a law enforcement officer asks you for it. A law enforcement officer will ask you for proof of insurance if you´re involved in an accident, regardless of whether you caused the accident or not. Police will also ask you for proof of insurance if you´re stopped because of a traffic violation or for any other reason. You also have to show proof of insurance when you get or renew your driver’s license, register your car and get your car inspected.

Each company evaluates risk differently. All companies generally use some type of formula that considers a variety of “risk factors.” These factors generally include driving history, age, gender, and marital status, and in some cases insurance credit score.

No. Insurance may only be sold by an insurance agent or broker licensed by the Department of Insurance.

Whether you have a proper driver’s license or not, you should have auto insurance for the security it offers. We insure all drivers — with licenses and without licenses.

 

 

We accept:

- U.S. driver’s license issued by any state

- Driver’s licenses from other countries or a Matricula /Passport

- No license

- Temporary license

- Suspended license

- State IDs

- SR-22

Word from the Herd

Don’t take our word. Hear from our pac.

⭐⭐⭐⭐⭐
Great staff, made me feel like they cared. Highly recommend coming here, helped me find a low rate even with my questionable background.
- Paula H.
- Paula H.
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Best of the best insurance that we had best customer service they speak both languages English and Spanish were glad we have them as our insurance provider.
- David C.
- David C.
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Thumbs up! I have been a customer since 2009; they go above and beyond with their customer service. They always have a smiling faces and the best rates.
- T. Perez
- T. Perez
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I had to file an SR-22— had no clue what is even was —and they agents were extremely helpful with the entire process.
- C. Chavez
- C. Chavez
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Good customer service. Informative representatives. Very helpful with finding the right coverage and the best price for me.
- Ice F.
- Ice F.
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I got auto insurance for a great price and great customer service. Thank you so much Stephanie!! And thank you ALPA for your great services!
- Amy L.
- Amy L.
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After looking everywhere for an affordable price on a full cover insurance, I came across ALPA insurance and nobody could compare to its great price.
- Yonatan C.
- Yonatan C.
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