top of page

Auto Insurance

Drive With Confidence


Your vehicles are important to you and your family. Let us protect your vehicles with Comprehensive Auto Insurance Coverage. We have many insurance carriers that can cater to your individual needs.

Auto Insurance Coverage Options

  • Comprehensive Coverage

  • Collision Coverage

  • Property Damage Protection

  • Personal Injury Protection

  • Uninsured/Underinsured Motorist

  • Bodily Injury Coverage

  • Rental Car Coverage

  • Lost Key Replacement Coverage

  • And Many More

New Recreational Vehicle-01_edited.jpg
  • Boats and Jet skis

  • Recreational Vehicles (RVs)

  • All-Terrain Vehicles (ATVs)

  • Motorcycles

  • And More...

Recreational Vehicle Coverage


  • Good Student Discount

  • Accident Free

  • Multi-policy Discount

  • Diminishing Deductibles

  • Accident Forgiveness

  • Home or Condo Owner

  • Defensive Driving Discount

  • And Many More


Buying auto insurance can be a bit confusing at times, which is why you need to find an insurance agency that has the knowledge and experience to properly guide you in your purchasing decision. Whether you are looking for auto insurance in Waco or anywhere in Texas, there are many benefits of working with an independent insurance agent.


All the insurance commercials today emphasize only buy the coverage you need. An independent agent can help you determine what those coverages are for you and your family. You might be surprised what coverages are often rejected that can be extremely helpful in the event of a claim. 


As an independent agency, Shivers & Associates Insurance, represents multiple insurance companies.  This gives our agency the ability to check with multiple carriers to make sure you have a good rate for good coverage every year.

Liability Coverage

Drivers are legally required to carry insurance. Liability coverage protects you from lawsuits and claims, but has two components:

  • Bodily injury liability insurance can cover medical expenses for another person if you cause an accident.

  • Property damage liability may cover you for damage you cause to the property of others during the time that you are driving.


Uninsured and Underinsured Motorist Coverage

If you have an auto accident and the other driver has no liability coverage, uninsured motorist insurance may be available to cover your expenses. If another driver is underinsured meaning they don't have enough coverage in their liability policy to pay for all of the damages or medical bills, then underinsured motorist insurance may apply.

Comprehensive & Collision Coverage

If your car is damaged by one of the many perils that are included in comprehensive coverage, then you may be able to file a claim for reimbursement up to the vehicle's actual cash value. On some policies this is referred to are the OTC or Other Than Collision Coverage.

Collision coverage may help pay to repair or replace your car up to its actual cash value if you're involved in an accident with another vehicle, or if you hit a stationary object to which you are at fault. 

Personal Injury Protection

Like medical payments coverage, personal injury protection (PIP) may help pay for your medical expenses in the case of an accident that causes injury. PIP can also cover other expenses like lost income or child care that are incurred when you are injured. PIP is only available in some states and is sometimes required depending on the state.

Here at Shivers & Associates Insurance, we have been providing motorists across Waco, TX,
with auto insurance coverage since 1978.

Our knowledgeable agents understand the policies needed for all different situations and are focused on providing each and every one of our customers

with the protection they need and deserve at a price they can afford. We would love to hear from you! Contact us today to learn more:

bottom of page