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We are the Insurance Discount Center where Texans shop for insurance rates.
With more than 25 years of professional experience serving the state of Texas, our agents are confident in providing answers to those needing guidance with their insurance policies. The team at Insurance Discount Center is here to serve you with old-fashioned values, personalized attention, and the convenience of fast and efficient service.
Our goal is to educate our clients so that they can better protect themselves against life’s unknowns. We understand that insurance is meant to protect what is important to you, and we strive to make sure you are covered. We want to give you the confidence that your family, property, and business are safe under the policies we offer.
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The Solution To Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what Insurance Discount Center does best.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
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What Makes Our Independent Agency Different?
Here’s what sets us apart when it comes to serving your insurance needs.
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
Find Out How
”Alan is the best insurance agent you will ever meet! He is extremely knowledgeable, will not try to sell you products you do not need, and will try to find you the lowest price possible for car insurance.
Christian G.Personal Insurance Client
”I have been with Insurance Discount Center for at least ten years. Allen Abraham is the best and always finds the lowest rates for me.
Belitha L.Personal Insurance Client
”I’ve been the customer of Insurance Discount Center since 2012. Alan is a very nice guy and he cares about each customer. He always tries to find the best deal for you.
Nadezhda S.Personal Insurance Client
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We are a family-owned independent agency that values treating their clients as one of their own.
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As an independent agency, we are here to help you find the right coverage.
Houston, TX
6401 SW Freeway, Suite 120
Houston, TX 77074
We write insurance policies for individuals, families, and businesses across Texas including Bellaire, West University Place, Cypress, Meyerland, Spring, Sugar Land, and the greater Houston, TX area.
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