Insure with 

UHCU Insurance Services

At UHCU Insurance Services, a United Heritage Credit Union partner, it is our sole purpose to make you feel like a member of our family. In doing so, it is our mission to protect your loved ones by offering you the best insurance coverage options at the most affordable price with service beyond your expectations.
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Customer Service Options

Auto Insurance

Access self-policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Navigating Your Auto Insurance Journey

Auto Insurance is essential! Our library of articles is here to be your roadmap. Explore everything from coverage types to choosing the right policy.

Auto Insurance Information

Auto

What should I ask my Agent?

  • How much can you afford to pay if you get in an accident? To keep premiums low you may want to discuss a higher deductible and be willing to pay more for repairs.
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? Ask about good driver, multiple policy and student discounts.
  • What's the procedure for filing and settling a claim? Ask who to call and what happens after you file a claim.

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. 

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some but not all of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?

It's about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money -- often a lot of money -- to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Have Questions?

We're here to help.

To speak to UHCU Insurance Services, give us a call at 512.435.4555

Monday-Friday: 8:00 AM - 5:00 PM

Auto Insurance Advice & Insights

8 Auto Insurance Myths
8 Auto Insurance Myths

Confused about auto insurance? You're not alone. Many myths and misconceptions swirl around this essential protection, leading to costly coverage gaps or overspending. At UHCU Insurance Services, we're committed to helping you make informed decisions about your car insurance. So, let's debunk some common myths and ensure you're getting the right coverage at the right price:

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Does Filing an Auto Insurance Claim Mean Higher Premiums?
Does Filing an Auto Insurance Claim Mean Higher Premiums?

Hit a bump in the road with your car? While accidents happen, navigating the aftermath, especially when insurance is involved, can feel like a winding road. One question that often pops up: "Will my auto insurance premiums increase after filing a claim?"

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Don't Get Blindsided: Understanding Auto Policy Cancellation vs. Nonrenewal
Don't Get Blindsided: Understanding Auto Policy Cancellation vs. Nonrenewal

Ever wondered why your auto insurance might not be renewed? It's a scenario that raises eyebrows and questions. At UHCU Insurance Services, we believe navigating the twists and turns of insurance shouldn't leave you in a tailspin. So, buckle up as we untangle the difference between cancellation and non-renewal, helping you keep your car cruising smoothly.

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What Determines the Price of an Auto Insurance Policy?
What Determines the Price of an Auto Insurance Policy?

Ever wonder what factors determine the cost of your auto insurance? The answer lies in the varying factors that insurance companies use to determine your individual risk profile and, ultimately, your premium price. Don't worry, we're here to shed light on the most common determinants of your auto insurance cost.

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What is Auto Insurance?
What is Auto Insurance?

Hitting the gas on your car feels freeing, but the thought of navigating auto insurance can leave you feeling stuck at a red light. UHCU Insurance Services is here to shed light on the intricacies of insurance, ensuring you cruise with confidence towards financial security.

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What is Covered By an Auto Insurance Policy?
What is Covered By an Auto Insurance Policy?

Hitting the open road feels liberating, but it's crucial to be prepared for the unexpected. And that's where your trusty auto insurance policy comes in – your financial guardian angel in case of fender benders, stolen vehicles and natural disasters. But with all those confusing terms and coverages thrown around, navigating the world of car insurance can feel overwhelming. Fear not, fellow drivers! This blog will peel back the layers and dissect the six essential coverages of an auto insurance policy, empowering you to choose the shield that keeps you cruising confidently.

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Get Assistance Navigating Your Medicare Benefits with UHCU
Get Assistance Navigating Your Medicare Benefits with UHCU

United Heritage Credit Union strives to provide you with the services and products that will enhance your financial position and create a successful future. Read more to learn how we are helping members navigate Medicare benefits.
 

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UHCU Insurance Services, LLC is a Credit Union Service Organization. Business conducted with UHCU Insurance Services, LLC is separate and distinct from any business conducted with United Heritage Credit Union, its parent Credit Union. Insurance products offered by UHCU Insurance Services, LLC are not (i) deposits of United Heritage Credit Union, its parent Credit Union or its partner Alloy Insurance Partners, therefore are not protected by the NCUA and are not exclusive to Credit Union members and (ii) an obligation of or guaranteed by UHCU Insurance Services, LLC, its parent Credit Union or its partner and may be subject to risk. UHCU Insurance Services offers coverage for Texas residents only. Any insurance required as a condition of an extension of credit by United Heritage Credit Union need not be purchased from UHCU Insurance Services, LLC and may be purchased from an agent or insurance company of the member’s choice.