Auto Insurance FAQ

Texas law requires all drivers to carry minimum liability coverage of 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. While this meets the legal requirement, it may not be enough to fully protect you in a serious accident. Our agents help Beaumont area drivers find coverage that goes beyond the minimum to make sure they are truly protected.

Liability pays for injuries and damage you cause to others. Collision covers your own vehicle after an accident regardless of fault. Comprehensive protects your vehicle from non-collision events like theft, fire, hail, and flooding — all serious risks in Southeast Texas. Most drivers in the Beaumont area benefit from carrying all three.

Only if you carry comprehensive coverage. Flooding is one of the most common and costly causes of vehicle damage in the Beaumont area given the region’s storm history. If you only carry liability coverage, flood damage to your vehicle will not be covered. We strongly recommend comprehensive coverage for every driver in Southeast Texas.

Yes. Miller Insurance works with carriers like Dairyland, GAINSCO, and Anchor General that specialize in coverage for high-risk drivers. If you have been turned down elsewhere or are overpaying because of your driving history, we can often find an affordable solution that works for your situation.

The most effective ways to lower your auto premium include bundling your auto policy with your homeowners or renters insurance, maintaining a clean driving record, increasing your deductible, and insuring multiple vehicles on one policy. Because we shop across multiple carriers, we compare rates on your behalf to make sure you are always getting the most competitive price available.

Miller Insurance Agency helps drivers across Beaumont, TX, including high-risk and SR-22 customers, find appropriate auto insurance. Contact us to request a quote or review your options.