Auto Insurance That Travels Every Mile You Do

Why auto coverage matters more than most people realize

Texas is the third-largest state by drivers, and even the most careful motorist will eventually be hit by someone who isn't. State minimums (currently 30/60/25) sound substantial until you face a single hospital stay or a totaled luxury vehicle. The right auto policy is the difference between an inconvenient afternoon and a financial setback that follows you for years.

At NGME, we focus on more than a low monthly premium. We focus on the moment you actually have to file a claim — because that's when the policy you bought reveals what it's really worth.

What's actually covered in a strong personal auto policy

A complete auto policy from NGME is built from five coverage layers, each of which protects a different risk:

• Bodily injury liability — covers medical expenses and legal costs when you're at fault in an accident that injures someone else.
• Property damage liability — pays to repair or replace property you damage, from another car to a fence to a storefront.
• Collision coverage — pays to repair or replace your vehicle after an accident, regardless of who is at fault.
• Comprehensive coverage — protects against non-collision losses: theft, vandalism, hail, fire, falling trees, animal strikes.
• Uninsured / underinsured motorist — fills the gap when the at-fault driver has no insurance or not enough.

Commercial auto, trucking, and fleet coverage

If your vehicle helps you earn a living — a food truck, a contractor's pickup, a tow truck, or a regional delivery fleet — personal auto insurance won't cover a work-related loss. Commercial auto is a separate product, with separate limits, and a separate set of carriers we're appointed with.

NGME writes commercial auto for businesses of every size:

• Single business vehicle — protect the truck, van, or sedan your business depends on, with coverage tuned to how it's actually used.
• Truck insurance — local hauling, regional freight, hazmat, or specialty cargo, with primary liability, cargo, and motor truck general liability included.
• Fleet insurance (5+ vehicles) — fleet-wide schedules, driver risk management, telematics-friendly carriers, and consolidated billing.
• Hired and non-owned auto — protects your business when employees drive their own cars or you rent vehicles for work.

We don't just insure cars. We protect your business's source of mobility and income.

Add-ons worth asking about

The base policy is the floor. These options are where coverage becomes genuinely complete:

• Roadside assistance — towing, jump-starts, lockouts, fuel delivery.
• Rental reimbursement — pays for a rental car while yours is being repaired.
• New-car replacement — covers the cost of a new vehicle (not depreciated) if your car is totaled in the first 1–2 years.
• Gap coverage — pays the difference between what you owe on a loan and what the car is worth at the time of a total loss.
• Custom equipment — for aftermarket stereo, lift kits, custom paint, or commercial upfitting.

How NGME secures the best premium

We're not a captive agent for any single insurance carrier. As independent advisors, we shop your profile across 30+ A-rated insurers every year, including before each renewal. We weigh more than the headline number — we look at deductibles, sub-limits, exclusions, and the carrier's documented claims-paying record. Then we present you the two or three policies we'd genuinely recommend for someone in your situation, and you choose.

Frequently asked questions