Car insurance
in Texas
Experience easy access to affordable, high-quality insurance at David King Insurance.
What is Car Insurance?
Car insurance is a contract between you and an insurance company that protects you financially if your car is damaged, stolen, or involved in an accident. It can help cover costs like repairs, medical bills, and liability if you're at fault. In most states, it's legally required—because while you may be a great driver, not everyone else is.
At David King Insurance, we believe car insurance shouldn't feel like a confusing chore or a one-size-fits-all contract. If you're driving in Texas, you deserve protection that keeps up with your life, your ride, and your wallet. Whether you're commuting across Dallas, navigating Austin traffic, or taking scenic drives through the Hill Country, we’re here to help you find coverage that fits—without the fluff.
What Makes Car Insurance In Texas Unique?
Texas drivers face a different set of risks compared to drivers in other states. Wide-open highways, unpredictable weather (hail, anyone?), and a higher-than-average number of uninsured drivers mean your auto insurance needs to do more than just check a box. That’s why working with a Texas-based independent agency like David King Insurance makes a difference—we understand the local landscape, and we help you navigate it with confidence.
David King Insurance TESTIMONIALS
HERE'S WHAT OUR CLIENTS
ARE SAYING
"Exceptional Service with a Personal Touch"
"Unlike some insurance agencies where responsiveness seems to be, at least, secondary, Ms. Caperna is always available. The level of attention to requests, caring and professionalism has always been 5 Star and above! Always with a smile making you feel "at home"!
– Sharon Dundon
"Stress Free Insurance with a Caring Team"
"Beverly and everyone in the office is amazing! I highly recommend coming here for your insurance needs. They take the stress and hassle out of shopping for quotes and make you feel taken care of through the entire process whether it’s claims or quotes etc"
– Jacob Brown
"A Switch Worth Making!"
"After being with another very large insurance provider for over 25 years, I made the move to David King Insurance Services. My agent, Brady King, has been instrumental in finding the best insurance rates and policies since I switched. His level of customer service is truly unsurpassed. Thanks Brady!."
– Aly Lehmann
"15 Years of Exceptional Insurance Guidance and Service"
"I have received great advice, attention, and service from Beverly at David King Insurance for over 15 years. Their recommendations for our car and home insurance have been spot-on for our needs—from moving to a new city to college auto coverage in other states. I highly recommend their services."
– Sheryl Campbell
Why Work With An Independent Insurance Agency?
Unlike big-name companies tied to a single provider, we’re not locked into just one option. As an independent insurance agency, we shop across multiple carriers to help you find auto insurance policies that are a better match for your needs and budget. That means more flexibility, more transparency, and fewer surprises when life throws you a curveball.We’re local, which means you get real support from real Texans who understand what it’s like to drive here. When you call us, you won’t be routed to a call center overseas—you’ll talk to someone who knows your community and has your back.
What Types Of Car Insurance Coverage Are Available?
Texas drivers have access to a variety of car insurance coverage options. Some of the more common types include:
- Liability Coverage: Often required by the state, this helps pay for damages and injuries to others if you're at fault in an accident.
- Collision Coverage: This may help cover damage to your vehicle after a crash, regardless of who was at fault.
- Comprehensive Coverage: This could offer protection against non-collision-related events like theft, vandalism, hail, or animal collisions.
- Uninsured/Underinsured Motorist Coverage: Considering how many drivers in Texas may be uninsured, this can offer an added layer of protection.
- Medical Payments or Personal Injury Protection (PIP): These options may help with medical bills following an accident.
Our team can help you walk through each type of coverage, break down what it means in real-world terms, and help you make decisions that actually make sense for your lifestyle.
David King Insurance QUOTE
Looking for a Quote?
We deliver multiple quotes with lightning-fast speed, whether for personal or commercial insurance. Our team ensures you’re matched with the right carrier for the best coverage.
How Much Does Auto Insurance Cost In Texas?
Texas auto insurance rates can vary widely depending on a number of factors. Things like your driving record, age, location, type of vehicle, and even your credit score can all impact your premiums. There’s no one-size-fits-all number, but we can help you make sense of what affects your rate—and how you can potentially lower it.What you drive in El Paso might cost differently than the same car in Houston. That’s why we take the time to understand your unique situation before offering quotes from top-rated carriers.
Can You Help With Discounts Or Bundling?
Absolutely. One of the biggest perks of working with David King Insurance is that we know where to find the hidden gems—those discounts that national advertisers don’t always mention.Some possible discounts might include safe driver discounts, multi-vehicle discounts, and bundling home and auto policies. Many carriers also offer programs such as low mileage programs, or student or military savings.
We'll work with you to identify all the potential savings without cutting corners on the coverage that matters most.
What Should I Do After A Car Accident In Texas?
First things first—make sure everyone’s safe and call 911 if needed. Once the immediate safety concerns are handled, your next steps matter. Document the scene, exchange information, and notify your insurance carrier as soon as possible.If you're a client of David King Insurance, we’ll walk with you through every step of the claims process. We’re not just here to sell you a policy—we're here when you actually need it.
How Do I Get Started With David King Insurance?
It’s easy. Just give us a call, swing by our local office, or fill out our quick online form. We’ll gather a few details, ask the right questions, and do the behind-the-scenes work to get you personalized car insurance quotes from trusted Texas carriers.We’re not here to upsell you—we’re here to listen, advise, and help you drive confidently with coverage that fits your life.
How Can Individuals Get An Auto Insurance Quote in Texas?
At David King Insurance, we treat you like a neighbor, not a number. Whether you’re insuring your first car or finally trading in that high-mileage truck, we’re here to help you make smart choices about auto insurance in Texas. To get started, simply reach out to our knowledgeable agents. Our agents have worked with many drivers in Texas, and have the expertise needed to help you. Together, we can make sure you, your passengers and your vehicle are protected well when on the road.
Contact Us
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Company: 549 E Sandy Lake Rd #100, Coppell TX 75019
Phone: 1 972-393-3311
Email:
