Compare car insurance with one local agent.
Renewal went up? D. King Agency is an independent agency, so Damita King can compare auto options from multiple insurance companies and explain the differences in plain language.
- Free quote with no obligation to switch
- Options from multiple carriers in one conversation
- Licensed Texas agent with 15+ years of insurance experience
- Own a home? Ask us to review home and auto together
Damita King, D. King Agency
Your quote request goes straight to Damita.
Get your free auto quote
Two quick steps, about a minute. No date of birth or license number needed to start.
Good times to get a second look.
Most people don't shop their car insurance until something changes. These are the moments when comparing options tends to matter most.
Your renewal went up
A higher renewal doesn't always mean you have to stay put. We can compare your current coverage against other companies' options.
New or financed vehicle
Lenders typically require collision and comprehensive. We'll help you set deductibles and look at loan or lease payoff options.
Adding a teen driver
Adding a driver, or moving to a new ZIP code, can change your premium. Companies rate these changes differently, which is where comparing helps.
Nonrenewal or cancellation notice
The Texas Department of Insurance advises shopping right away and starting a new policy before the old one ends, so you don't have a gap in coverage.
Home and auto together
If you own your home, we can review both policies at once and ask about available multi-policy discounts.
Sound familiar?
Start with two quick steps, or call and talk it through with Damita.
What's different about an independent agent?
A single-company agent can only offer that company's policies. An independent agency can compare options from several insurance companies it represents.
Represents one company
- Offers policies from the company they represent
- Comparing other companies is something you do separately
- Can be a good fit if you already know the company you want
Options from multiple carriers
- Represents several insurance companies
- Options compared side by side: coverage, limits, deductibles and price
- The same agent to call when your needs change
Carrier availability varies by coverage, state and eligibility. Not every carrier offers every product. Quotes are subject to underwriting and carrier approval.
Insurance is personal. Your guidance should be, too.
Choosing a policy means weighing price, protection and what matters most to you. Damita King brings more than 15 years of insurance experience to that conversation. At D. King Agency, you can ask questions, explore options from multiple insurance companies and get coverage explained in everyday language.
What Texas requires, and what it doesn't cover.
The legal minimum keeps you driving legally. It isn't designed to protect your own car or your own injuries. These are the four facts most drivers don't know until they file a claim.
The state minimum
Texas requires at least $30,000 for injuries per person, $60,000 per accident and $25,000 for property damage. That pays others when you're at fault, not you.
Included unless you reject them
Personal injury protection and uninsured/underinsured motorist coverage are part of a Texas policy unless you reject them in writing. Know what you signed.
Uninsured Texas drivers
The Insurance Research Council estimated about 1 in 7 Texas drivers was uninsured in 2023. UM/UIM coverage is what protects you from them.
Is a comprehensive claim
Hail, theft, fire and flood damage to your own car fall under comprehensive coverage, not liability. Your deductible applies.
Sources: Texas Department of Insurance, Auto insurance guide; Insurance Research Council data via Insurance Information Institute (2023 estimate).
What affects your price, and what to ask about.
Each insurance company weighs these factors in its own way. That's why the same driver can get noticeably different quotes, and why comparing more than one company is worth the call.
Driving record and claims
Accidents, tickets and past claims. Most companies check claims history through a CLUE report.
Where you keep your car
Rates can vary between ZIP codes in the same city, so Arlington and Mansfield addresses may price differently.
The vehicle
Cars that cost more to repair or replace generally cost more to cover for collision and comprehensive.
How you use it
Commuting and business use can raise rates compared with pleasure use.
Credit-based insurance score
Some companies use credit information. In Texas, a company can't turn you down or charge more based only on your credit score.
Discounts worth asking about
Each company decides which discounts it offers and how much they're worth. We'll ask about the ones that apply to you.
- More than one car on the policy
- Home or renters policy with the same company
- Good driving record, no recent claims
- Defensive driving or driver education course
- Airbags, anti-lock brakes and anti-theft devices
Source: Texas Department of Insurance. Availability and amounts vary by company and eligibility.
What we'll review with you.
Two policies can have similar premiums but very different protection. Here's what Damita looks at so you can compare the whole policy, not just the monthly payment.
Your quote checklist
- Bodily injury and property damage liability limits
- Uninsured and underinsured motorist protection
- Personal injury protection and medical payments
- Collision and comprehensive deductibles
- Rental reimbursement and roadside assistance
- Loan or lease payoff on a financed vehicle
- Which drivers and vehicles are listed
- Whether you're covered when driving a rental car
What do numbers like these mean?
A limit shown this way commonly means up to $100,000 of bodily injury coverage per person, $300,000 per accident and $100,000 of property damage coverage per accident.
Compared with the 30/60/25 state minimum, higher limits raise how much your policy can pay if you cause a serious accident. We'll show you how different limits change the price so you can decide. No one can require you to buy more than the legal minimum. Exact wording and available limits vary by company.
From request to decision in three steps.
Send the basics
Fill out the short form or call. Your current declarations page, if you have it, is a helpful starting point.
Damita compares options
Damita reviews your request herself, follows up to confirm details and compares options from the companies she represents.
You choose what fits
Compare limits, deductibles and price with an agent. There's no obligation, and you keep your current policy until new coverage is confirmed.
Have these handy for the fastest quote
None of this is needed to send the form. Damita will ask for what each company requires when she follows up.
- Your current declarations page (first page of your policy)
- Name, date of birth and license number for each driver
- Year, make, model or VIN for each vehicle
- Recent accidents, tickets or claims
A few helpful answers.
Is the quote free? Do I have to switch?
Yes, the quote is free, and there's no obligation. If your current policy is the best fit, we'll tell you that.
How soon will I hear back?
Damita reviews each request herself and follows up by phone or email. If you'd like to talk sooner, call 972-440-0032.
Should I cancel my current policy first?
No. Keep your current policy until new coverage is confirmed. The Texas Department of Insurance recommends starting a new policy before the old one ends so you don't have a lapse in liability coverage.
Do I have to buy more than the state minimum?
No. Under the Texas Consumer Bill of Rights, an insurer or agent can't require you to buy liability limits above the legal minimum. We'll explain the options so the choice is yours.
What should I have ready?
Your current policy declarations page, if you have it, plus the drivers and vehicles you want covered. Damita will ask for anything else the insurance companies need when she follows up.
Can you quote my home insurance too?
Yes. We can review home and auto together and ask about available multi-policy discounts. Eligibility and savings vary by carrier.
Does a quote request start my coverage?
No. A request starts the quoting process. Coverage begins only after the carrier's requirements are met and coverage is confirmed. Keep your existing policy until replacement coverage is confirmed.
I need help with a claim or bill on my current policy.
For claims, payments or ID cards on an existing policy with another company, please contact that company directly. We're happy to help if you're shopping for new coverage.
Ready to compare your auto insurance?
Whether your renewal went up, you're buying another vehicle or you simply want a second look at your coverage, D. King Agency can help you compare your options.