All American Insurance
All American Insurance has been family-owned and operated for nearly 50 years, serving Killeen, Fort Hood, Harker Heights, Copperas Cove and the surrounding Central Texas area. We offer homeowner discounts, multi-car discounts, safe driver discounts, and a responsible resident discount. If you are looking for auto insurance in Killeen, All American Insurance is the place to start.
While we may specialize in auto insurance, we also offer commercial insurance, motorcycle insurance, RV insurance, general liability and more. The complete list of our insurance products is listed to the right. Take a look to see if we have what you need, and if we do, give us a call to get your free quote today.
Why we can get you better rates
At All American Insurance, we are independent agents. Unlike captive agents who work with a specific insurance company and are required to offer only that company's insurance products, we represent many different insurance companies. This gives us the flexibility to review rates and coverage from competing carriers and get you the best deal possible. We also offer affordable protection for your home, business and other assets. So rather than spending hours gathering insurance quotes from various companies, you can get it done with one simple call or visit to All American Insurance. The long list of insurance companies we have to offer almost guarantees we can find you the cheapest insurance in Killeen. All American Insurance provides free auto insurance quotes; just fill out this form or call us at (254) 526-2223 to see what insurance rates we can offer.
Texas Auto Insurance Requirements
The state of Texas requires that all drivers maintain at least liability insurance on their vehicles at all times. Liability insurance only pays for the other party's medical expenses or to repair or replace the other driver's car in the event of an accident, though. According to the Texas department of Insurance:
The minimum coverage amount required by the state’s financial responsibility law is $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage.
The limits will increase on January 1, 2011, to $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. Drivers will be required to comply with the new limits as their policies are issued or renewed on or after the effective date.
Violating the law
The state of Texas recently implemented a new program called TexasSure. This program allows law enforcement officers and designated state users to immediately verify whether or not a driver is currently insured, and penalties for violating Texas' financial responsibility laws are steep. The first offence will warrant a fine between $175 and $350. Additional violations will result in fines ranging from $350 to $1,000, suspension of your driver's license, and impoundment of your vehicle. The penalty for driving without at least liability insurance in Texas is simply not worth the risk - insure your automobile. Call or visit All American Insurance today to protect yourself from any unexpected expenses or unwanted fines. Click here for information on how to contact us and insure your car and your family today.