Licensed Texas auto insurance agents in Plano and Laredo. We find you the best rate from multiple carriers. Just call — no forms.
Texas law requires all drivers to carry minimum liability insurance. At Zoi Insurance, we make sure every client is properly covered — not just minimally legal, but genuinely protected. We serve drivers in Plano TX, Laredo TX, and throughout the state.
Texas requires minimum liability limits of 30/60/25:
These minimums are often insufficient. We recommend higher limits and full coverage for most drivers.
Covers injuries and property damage you cause to others in an accident. Required by Texas law.
Pays to repair or replace your vehicle after a collision with another vehicle or object, regardless of fault.
Covers non-collision damage: theft, hail, fire, flooding, falling objects, and animal strikes.
Protects you if you are hit by a driver with no insurance or insufficient coverage — critical in Texas where uninsured driver rates are high.
Covers medical expenses for you and your passengers after an accident, regardless of fault.
Optional add-ons that cover towing, lockouts, and rental cars while your vehicle is being repaired.
Bundling your home insurance and auto insurance with Zoi Insurance typically saves 10–25% on both policies. Our agents will show you the exact savings when you call.
Call your nearest Zoi Insurance office. Licensed agents. Real savings. No forms.