Auto Insurance

Adequate coverage at a competitive price

Securing auto insurance from RBFCU Insurance Agency means protecting your vehicles, working with a trusted specialist through the entire insurance process, and getting the coverage that fits your needs at an affordable price.

Auto insurance is required for all drivers in Texas, but it is more than just a legal necessity. It’s peace of mind that you will be covered in the event of an accident.  RBFCU Insurance Agency can provide quotes and ensure you have the coverage you need for any situation, including liability (bodily injury and property damage), comprehensive, collision, personal injury and uninsured/underinsured motorist. We also provide extra security and convenience with roadside assistance and rental reimbursement.

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Want to cover another type of vehicle?

In addition to auto insurance, RBFCU Insurance Agency also provides coverage options for other vehicle types. Whether you’re traveling on two wheels, four wheels or on the water, we have coverage options to suit your needs, including:

Boat

Boat insurance coverage options include liability, collision, comprehensive, uninsured boater and more. Plus, boat insurance can help protect you from other unexpected incidences like towing or loss of personal belongings.

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Motorcycle

Motorcycle coverage options include liability, collision, comprehensive, uninsured motorist, rental reimbursement, roadside assistance and personal injury protection. We can also provide coverage for your accessories and devices.

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Recreational vehicle

RV insurance can cover a variety of vehicles, including motor homes, travel trailers and campers. Coverage options include liability, collision, comprehensive, total loss replacement and uninsured motorist coverage.

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Additional coverage

You can also secure additional coverage and warranties for your vehicle maintenance and loan protection needs. These coverages are provided through RBFCU, so if you are interested in adding them, please click the link below or contact RBFCU’s Consumer Lending Center.

Payment protection insurance

Payment protection insurance can help you make sure you’re covered if you can’t make payments because of unexpected illness or injury.

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Major mechanical protection

MMP protects your vehicle from the cost of expensive repairs not covered by your manufacturer’s warranty.

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GAP Advantage

Reduce expenses if your car is totaled, or stolen and not recovered. GAP Advantage pays the difference between your vehicle’s actual cash value and what you owe.

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What determines my insurance rate?

Insurance providers take several factors into consideration when determining your rate, including:

  • Age

    When it comes to driving and insurance, age matters. Insurance statistics show that the more experience you have behind the wheel, the less likely you are to cause an accident.

  • Driving record

    Typically, a better driving record means you are less likely to be involved in accidents. Your insurance policy and premium will take into account past accidents and moving violations.

  • Insurance score

    Insurance companies compile data to assign clients an insurance score. This score includes credit report information and accident/claim history, which typically correlates with your likelihood to be involved in an accident or make a claim in the future.

  • Marital status and gender

    These criteria may seem arbitrary, but everything in the insurance business is based on data. Statistics show that female drivers and married drivers are less likely to be involved in accidents.

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FAQ FAQs

  • What auto insurance coverage is required in Texas?

    The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage. Statistically, RBFCU Insurance Agency finds this coverage to be inadequate in the event of an accident or injury resulting from an accident.

  • Does my auto insurance cover me when I rent a car?

    If you carry physical damage coverage on any of your own vehicles, you may have coverage that extends to your rental car. If you only carry liability coverage on your personal auto policy, there would be no physical damage coverage provided to a rental car. You will need to check your vehicle’s insurance policy to see what your coverage is.

  • How do I submit an auto insurance claim?

    Call RBFCU Insurance Agency at 1-888-564-2999. RBFCU Insurance Agency’s policy declaration page will have your insurance company’s claim number, you will be asked to supply information and documentation about the accident.

  • Am I required to get insurance on my motorcycle?

    Yes, full coverage insurance is required on all vehicles, including motorcycles. For an insurance quote from our affiliate, RBFCU Insurance Agency, please visit our Auto Insurance page.

  • Do I need commercial auto insurance?

    If a vehicle is used in tasks related to the operator’s occupation, profession or business (other than commuting), a commercial policy is necessary.

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RBFCU Insurance Agency LLC is a wholly owned subsidiary of RBFCU Services LLC, which is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are not deposits; not NCUA insured; and not guaranteed by RBFCU Insurance Agency, RBFCU Services LLC and RBFCU.