Find the right car insurance
It is important to us that you have coverage that protects you from uninsured motorists and keeps you from finding yourself under insured.
Complete coverage with competitive pricing
Driving in Dallas/Fort Worth can be stressful, but Burns Insurance Group takes the stress out of finding a policy that is affordable. We represent some of the best insurance companies in Texas and can provide the best car insurance at a competitive price.
Insurance Partners We Represent
Your auto policy will cover you and other family members on your policy, whether driving your car or someone else’s car (with their permission). Your policy also provides coverage for licensed drivers who are not listed on your policy with whom your consent to drive your car. There are several different types of auto coverage and learning about each type can help you make an informed decision about the type of coverage you need.
Liability coverage pays to repair the other driver’s car if you caused the accident. Liability coverage will also pay the other driver’s medical bills. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.
**We strongly suggest buying more than the state required for liability. In many areas of the metroplex, the average cost of one car is greater than $25,000. Imagine if you were involved in a multi car accident in Southlake with an Audi, Mercedes, and Range Rover. If you have the state minimum coverage ($25,000 of coverage for property damage), the damage to these vehicles could easily exceed this limit. The other drivers could sue you for the damages not covered by your liability insurance**
Collision coverage pays to repair or replace your car after an accident.
Comprehensive coverage pays if your car is stolen or damaged by fire, flood, vandalism or something other than a collision. Last year, one hail storm caused $300 million in damage in areas of Frisco, McKinney, and Allen according to the Insurance Council of Texas. Comprehensive coverage with a low deductible is an important part of your auto insurance in the Dallas/Fort Worth area.
Medical payments coverage pays your and your passengers’ medical bills.
Personal injury protection (PIP) coverage also pays your and your passengers’ medical bills. But, unlike, medical payment coverage, it also pays for things like lost wages and other nonmedical costs. All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing
Uninsured/underinsured motorist coverage pays if you’re hit by someone who didn’t have insurance or didn’t have enough to pay your medical and car repair bills. It also pays if you’re in a hit-and-run accident.
Dallas County, including cities like Grapevine, Lewisville, and Coppell, has one of the highest rates of uninsured motorist in Texas. Approximately 1 in 6 drivers are driving without adequate insurance coverage.
Insurance companies must offer you this coverage. If you don’t want it, you must tell the company in writing.
Examples of What my Auto Insurance Covers and does not Cover
- Car repair, medical, and funeral bills and lost wages and payment for pain and suffering to the other driver and passengers if you cause an accident
- Damage to trees, buildings, fences, street signs, and other property
- Accidents that happen while you or someone covered by your policy is driving a rental car
- Accidents that happen while you’re driving in other states and Canada
- Your attorneys’ fees if you’re sued because of an accident
- Damage to your car because of an accident (if you have collision coverage)
- Damage to your car because of fire, hail, vandalism, theft, flood, flying gravel, and falling objects (if you have comprehensive coverage)
- Damage to your car if you hit an animal (if you have comprehensive coverage)
- Accidents that happen while you’re driving for a ride-hailing service like Uber or Lyft
- Accidents that happen while you’re delivering food or other items for a fee
- Accidents that happen while you’re driving a car that doesn’t belong to you but you could use regularly, like a company-owned car
- Accidents that happen while you’re driving in Mexico
- Accidents that happen while you’re driving your car for business
- Accidents that happen while you’re racing
- Damages that you caused intentionally
- Radios, CD players, navigation systems, and other equipment not permanently installed in your car
We shop for You
Don't waste your time trying to find the best insurance at the best price. We work with over 20 trusted insurance carriers and we can easily compare pricing and coverage.
You Save money
You will get the lowest rate and best coverage. Best of all, our services do not cost you anything. You save time and money.
Free Annual Reviews
We will review your policies annually to see if we can find you a better rate and to make sure that your coverage needs haven't changed.
