Liability
Injury and damage you cause to others. Required in Texas.
Helping Texans stay covered on the road with personalized auto-insurance solutions — from a licensed agent who answers the phone.
We are not a lead marketplace. Fill out this form and one agency calls you — ours. We never sell or share your details with other agents.
Takes about two minutes. No obligation, no cost.
Thanks — your request is with our office. We'll reach out to go over your vehicles, your current coverage, and where the gaps are.
Need us sooner? (281) 304-8991
What drives your rate
Knowing these before you shop is the difference between comparing quotes and comparing coverage.
Tickets and at-fault accidents follow you for roughly three to five years depending on the carrier. As older items age off, the rate you were quoted back then may no longer be the rate you qualify for now.
Texas only requires 30/60/25 in liability. That is a low floor, and a single serious accident can run past it quickly — leaving the difference with you. Higher limits often cost less than people expect.
A gap in coverage, even a short one, changes what carriers will offer you. Staying insured without a lapse is one of the least expensive things a driver can do for their rate.
What a policy covers
Injury and damage you cause to others. Required in Texas.
Your vehicle, when you hit something.
Hail, theft, glass, flood, and animal strikes.
When the other driver has no coverage, or not enough.
Medical costs and lost wages, regardless of fault.
Driving for an app is usually not covered by a personal policy.
Who you'll be working with
Randall L. Knight Insurance Agency serves drivers across Texas from our office in Cypress. We place coverage with more than one carrier, so we can look at where your household actually fits instead of forcing it into a single company's box. When you request a quote here, it comes to our team — not to a network of agents who will call you for the next three weeks.
We'll talk through your vehicles, your drivers, your current limits, and where the gaps are. If we aren't the right fit, we'll tell you that too.
Two minutes now, and you'll know where your current auto policy stands.
Request your quote