Protection That Keeps You Moving Forward.

We make securing reliable Auto Insurance clear, simple, and fast. The JC Insurance Collective focuses on hospitality and expert advice, ensuring you have the right coverage on the road across Texas, New Mexico, and Oklahoma.

Driving in the Southwest Demands More Than the Minimum.

Texas, New Mexico, and Oklahoma face unique risks: heavy traffic, severe weather (like hail and flash floods), and higher incidents of underinsured drivers. Our service-first approach means we don't just sell you the minimum required Auto Insurance—we recommend coverage designed to truly protect your finances.

In Texas, for example, the minimum liability coverage of 30/60/25 is often insufficient to cover injuries or property damage from a serious accident. If costs exceed your limit, the rest comes out of your pocket.

The JC Collective Difference:

  • Expert Recommendation: We guide you toward limits (like 100/300/100) that shield your hard-earned assets.

  • Service When It Matters: When a claim happens—whether it's a fender-bender or hail damage—we simplify the process, just like a trusted host.

  • Identify Hidden Savings: We proactively look for discounts like bundling, safe driver history, and multi-car savings.

Understanding the Types of Auto Insurance Coverage

A complete Auto Insurance policy is built on core coverages that protect you, your vehicle, and others. We'll help you structure a policy with the right balance of price and protection.

Liability Coverage (Required by Law):

This pays for the other party's expenses when you are at fault in an accident.

  • Bodily Injury Liability: Covers the other driver's and their passengers' medical bills and related expenses.

  • Property Damage Liability: Covers the repair or replacement of the other person's property (their car, fence, etc.).

Physical Damage Coverage (Protects Your Vehicle):

Often required by lenders, these cover damage to your vehicle.

  • Collision Coverage: Pays to repair or replace your car after an accident with another vehicle or object (like a pole or guardrail), regardless of who is at fault.

  • Comprehensive Coverage: Pays for damage to your car from non-collision events, such as theft, vandalism, fire, or severe weather (hail, flood, falling objects).

Personal Protection & Specialty Coverages:

  • Uninsured/Underinsured Motorist (UM/UIM): Essential coverage that pays for your damages and injuries if the driver who hits you has little or no Auto Insurance.

  • Personal Injury Protection (PIP) / Medical Payments: Covers medical expenses and sometimes lost wages for you and your passengers after an accident, regardless of who was at fault.

Drive With Confidence

Don't let the thought of a wreck or a massive hail storm stress you out. Let the JC Insurance Collective build a personalized Auto Insurance plan that handles the risk so you can enjoy the drive.

Ready to see how much you can save without sacrificing coverage?