Personal insurance
Auto Insurance for Madisonville, Huntsville & Navasota
Buying a car, adding a driver, or reviewing a renewal? From our Madisonville office, we can help you compare coverage options and request a quote for your cars and personal-use trucks.
Understand your options
What does “full coverage” mean in Texas?
“Full coverage” is common shorthand for liability, collision and comprehensive together. It is not one standard policy or a promise that everything is covered. Compare the coverage names, limits and deductibles on each quote.
Liability
Other people’s injuries and property
Helps pay for other people’s injuries or property damage when you cause an accident, up to your policy limits.
For example: You back into someone else’s fence. Liability may help pay to repair it.
Collision
Damage to your vehicle after an accident
Helps pay to repair or replace your vehicle after an accident, subject to your deductible and policy terms.
For example: You hit a post while parking. Collision may help with your car’s repairs.
Comprehensive
Other covered damage to your vehicle
Helps pay for losses such as theft, fire, hail, flood or vandalism, subject to your deductible and policy terms.
For example: Hail dents your parked car. Comprehensive may help with the damage.
Other choices to review
Texas requirements
What coverage is required?
Texas requires drivers to show they can pay for accidents they cause. Most do this with liability insurance. The minimum liability limits are commonly written as 30/60/25.
- $30,000
- Injuries to one person
- $60,000
- Injuries per accident
- $25,000
- Property damage per accident
Financing or leasing a vehicle?
A lender or leasing company may require collision and comprehensive in addition to liability. Check its coverage and deductible requirements.
The state minimum is a starting requirement, not a recommendation for every household. An accident can cost more than those limits.
Read the Texas Department of Insurance auto guideCompare quotes
Compare more than the premium
A useful comparison starts with the same drivers, vehicles and coverage choices. A lower premium may come with a higher deductible or different protection.
Your vehicles, driving history, where they are kept and how they are used can affect the price. Each company evaluates the details differently.
As an independent agency, we work with more than one insurance company. Our team can help you compare the options available for your household and explain differences in coverage, deductibles and price.
- Match the liability limits. Compare the same injury and property-damage protection.
- Check each deductible. Know your share of a collision or comprehensive claim.
- Compare vehicle coverage and extras. Look at rental, roadside and other selected options.
- Use the same household details. Include drivers, vehicles and how each vehicle is used.
Quote preparation
Get ready for an auto quote
Start with what you know about your household and vehicles. A current declarations page is helpful when you want to compare your existing coverage.
- Household drivers and driving history
- Vehicle year, make, model and VIN, if available
- Where each vehicle is usually kept overnight
- Ownership, loan or lease details
- Commuting, personal travel and any work, delivery or rideshare use
- Current coverage, renewal date and recent changes
Stover & Crouch · Madisonville, Texas
716 S Madison St, Madisonville, TX 77864
(936) 348-2688
People you can reach
Your auto quote, with a local team
In Huntsville or Navasota? You can get started by phone or online with our Madisonville office.
- Start with your household. Request a quote online or call to tell us about your vehicles, drivers and what you want to review.
- Work through the details. Our team reviews your request and follows up for any missing information.
- Compare your options. A licensed team member explains the available coverage, limits and deductibles so you can decide what fits.
Common questions
Auto insurance questions
Should I choose a $500 or $1,000 deductible?
With a $500 deductible, your share of a covered vehicle-damage claim is $500; with a $1,000 deductible, it is $1,000, when the covered loss exceeds that amount. The higher deductible means $500 more out of pocket. Ask for quotes at both levels and weigh the premium difference against what you could comfortably pay.
Do I still need collision and comprehensive after my vehicle is paid off?
Paying off the loan changes the lender’s involvement, but your vehicle can still be damaged or stolen. Weigh its value, the cost of coverage and what you could afford to repair or replace yourself before changing the policy.
What should I know when adding a teen driver?
Contact your agent when your teen begins learning to drive. Ask when the insurer needs the driver listed, how the vehicles will be assigned and whether any driver-training or student discounts may apply.
How do I switch auto insurance at renewal?
Start comparing before your current policy expires. Use your renewal offer and declarations page to check the same drivers, vehicles, limits and deductibles. If you decide to switch, confirm the new policy’s effective date and that coverage is in place before canceling the old policy, so you avoid a gap.
When should I arrange insurance for a car I’m buying?
Contact your agent before you pick up the car. Have the VIN, purchase date and any lender or lease requirements ready. If you already have a policy, ask how it applies to an added or replacement vehicle and when you must notify the insurer. Confirm the coverage and start date before driving away.
What if I use my vehicle for work, delivery, or rideshare?
Tell your agent what you carry, who owns the vehicle and how often you use it for work. Personal auto coverage may not cover those activities. Some uses need additional coverage or a different policy; see business insurance for business-use questions.
Get an auto insurance quote.
Tell us about your vehicles and drivers. Our Madisonville team will help you compare coverage options and request a quote.
A website request does not bind, change, cancel, reinstate, or confirm coverage.