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Zane Shepherd Financial Services
Auto insurance coverage in Murphy, TX
Auto Insurance

Texas-ready auto coverage that fits your life

Turn to us for any auto insurance need

From the daily commute through Murphy and across the Metroplex to weekend trips down US-75, the right auto policy keeps you protected without overpaying. Texas requires every driver to carry liability coverage — we build a policy that meets the state minimum and actually covers what you drive.

If you're ever in an accident, you'll have a local team that knows your policy and picks up the phone. No call center, no runaround.

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Coverage you can count on

Count on us to cover all of your needs

Accidents are rarely convenient. Whether you get sideswiped on the highway or backed into in a parking lot, we're standing by to help. We'll find a policy that covers what you drive — on the road, off the road, or on the water.

  • Personal Auto
  • Commercial Auto
  • Motorcycle
  • Boat
  • ATV
  • Golf Cart
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in Texas?
Texas requires liability coverage of at least 30/60/25 — that is, $30,000 for injuries per person, $60,000 total per accident, and $25,000 for property damage. This is the legal minimum, not what most drivers actually need. We recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, improving your credit, and using telematics programs. Annual policy reviews catch cases where your rate drifted up or your coverage no longer matches your life.
Does my auto insurance cover me if I drive to another state?
Yes. A standard auto policy follows you across state lines for personal travel within the U.S. and Canada. If you're renting a vehicle on a long trip, call us before you go so we can confirm any gaps.
Do you cover motorcycles, boats, ATVs, and golf carts?
Yes — we write separate specialty policies for motorcycles, boats, ATVs, and golf carts. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.
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