Plano TX Auto Insurance Agency – Protecting Drivers Since 1930
For nearly a century, AR Schell & Son Agency has been Plano’s trusted provider of auto insurance, helping drivers across Collin County and North Texas protect their vehicles, cover medical costs, and maintain financial peace of mind on the road.
What Is Auto Insurance and Why Do You Need It?
Auto insurance is a type of policy designed to protect drivers from financial losses that result from car accidents, vehicle damage, medical expenses, theft, or other risks associated with being on the road.
These policies can provide coverage for everything from repairing or replacing your vehicle to paying for injuries you cause to others and safeguarding your own financial stability after an accident. In Texas, liability coverage is required by law, while many drivers choose to add protections like collision, comprehensive, and personal injury coverage for a more complete plan.”
Some Types of Auto Insurance
Liability Coverage
Liability insurance is the foundation of every auto policy and is required by Texas law. It pays for another driver’s medical expenses and property damage when you are at fault in an accident, protecting you from devastating out-of-pocket costs.
Collision Coverage
Collision coverage helps pay for the repair or replacement of your own vehicle after a crash, regardless of who caused the accident. It’s especially valuable for drivers with newer or financed vehicles who need full protection.
Comprehensive Coverage
Comprehensive coverage protects your car from non-collision losses, such as theft, vandalism, fire, hail, or even hitting an animal. With severe Texas storms, this type of coverage gives drivers added peace of mind.
Medical Payments & PIP
Medical payments coverage, or personal injury protection (PIP), helps pay for medical bills for you and your passengers after an accident. This benefit applies no matter who was at fault, providing quick access to funds for recovery.
Uninsured & Underinsured Motorist Protection
If you’re in an accident caused by a driver who doesn’t have insurance—or not enough coverage—uninsured motorist protection steps in. This coverage ensures you aren’t left paying the price for someone else’s mistake.
Roadside Assistance & Rental Reimbursement
Optional add-ons like roadside assistance and rental reimbursement keep you moving when the unexpected happens. From towing after a breakdown to covering the cost of a rental car during repairs, these extras give drivers more convenience and security.
How Auto Insurance Works
Auto insurance operates on the principle of shared risk. As a driver, you pay regular premiums to your insurance company, and in exchange, the insurer uses those pooled funds to cover losses such as accidents, theft, or vehicle damage. When a covered event occurs, you file a claim, pay any required deductible, and the insurer pays for the remaining costs up to your policy limits.
This arrangement ensures that one accident or unexpected event doesn’t leave you with overwhelming expenses. By working with a licensed agent at AR Schell & Son Agency, drivers in Plano and Collin County receive guidance on which coverages fit their needs—whether it’s meeting Texas’s liability requirements, protecting a new car with collision and comprehensive coverage, or adding options like uninsured motorist protection for extra security.
Risk Sharing on the Road
Every time you drive, you face the possibility of accidents, storm damage, or theft. By paying regular premiums, you share these risks with other drivers, ensuring that when a loss occurs, you aren’t left shouldering the financial burden alone.
Financial Security After an Accident
Repairing a car, covering medical bills, or replacing a stolen vehicle can cost thousands of dollars. Auto insurance gives you the stability to recover from these events without draining your savings, keeping you and your family financially secure.
Decades of Trusted Protection
For nearly 100 years, drivers in Plano and Collin County have relied on AR Schell & Son Agency for reliable auto insurance. From first-time drivers to families with multiple vehicles, Schell has built a legacy of trust by providing coverage that adapts to the realities of driving in North Texas.
Who Needs Auto Insurance in Plano?
In Texas, liability insurance is legally required for every driver, but most Plano residents need more than just the minimum coverage to stay fully protected. Auto insurance is essential for:
Commuters and Daily Drivers
Thousands of Plano residents travel busy routes like US-75, George Bush Turnpike, and the Dallas North Tollway every day. With higher traffic comes a greater risk of accidents, making comprehensive auto insurance a must for commuters.
Families with Teen Drivers
Parents in neighborhoods like Russell Creek, Custer Meadows, and West Plano often add new drivers to their policies. Teen drivers face higher accident risks, so families benefit from broader coverage that includes collision, comprehensive, and medical protection.
Car Owners with New or Financed Vehicles
If you lease or finance your car, lenders usually require full coverage, including collision and comprehensive insurance. This protects both you and the lender if the vehicle is damaged or totaled.
Senior Drivers and Empty Nesters
Longtime Plano residents who rely on their cars for independence and convenience also need coverage tailored to their driving habits and vehicles, ensuring affordable protection without gaps.
Some Types of Auto Insurance We Offer
Liability-Only Coverage
Liability-only insurance is the minimum coverage required by Texas law. It pays for the other driver’s injuries and property damage if you cause an accident, but it does not cover your own vehicle. This option is often chosen by Plano drivers with older cars or those looking for the most affordable way to meet state requirements.
Full Coverage Auto Insurance
Full coverage combines liability, collision, and comprehensive protections into one policy. It not only meets Texas legal requirements but also pays to repair or replace your own vehicle after a crash, theft, or storm damage. This is the best option for drivers with newer, leased, or financed cars who want maximum protection on the road.
Medical Payments and Uninsured Motorist Coverage
Beyond basic protection, medical payments coverage helps pay for hospital bills for you and your passengers after an accident, regardless of fault. Uninsured/underinsured motorist protection steps in if you’re hit by a driver with little or no insurance, shielding you from the financial fallout of someone else’s mistake.
How to Get an Auto Insurance Quote in Plano
Please follow the next steps to complete the process
Get in touch:
Call us at 972-423-4546 or use the button below to start your quote online
Share Your Driving Details: Provide information about your vehicles, driving history, and household needs so we can match you with the right coverage.
Compare options:
Your agent will gather quotes from trusted carriers and present that balance protection and affordability.
Choose with confidence:
Select your customized policy and drive with the peace of mind that comes from being covered by AR Schell & Son Agency, Plano’s oldest and most trusted insurance agency.
Learn About the Schell Difference
The Schell Difference means more than just policies. It’s nearly 100 years of local expertise, a commitment to integrity, and a promise to always put your needs first. Watch the video to learn more about our history and legacy of trust.
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About Plano
Plano, TX, is more than just a family-friendly city in Collin County — it’s also a community on the move. From the busy traffic of US-75 and the Dallas North Tollway to daily commutes around Legacy West, Collin College, and the Downtown Plano Arts District, drivers here rely on their vehicles every day. With so many residents and families on the road, the need for dependable auto insurance in Plano has never been greater.
Since 1930, AR Schell & Son Agency has been helping Plano drivers protect what matters most. Whether it’s families in West Plano near Preston Road, students commuting to Collin College, or residents in neighborhoods like Russell Creek and Custer Meadows, Schell Insurance delivers personalized auto coverage to safeguard vehicles, passengers, and financial peace of mind across North Texas.
trust in a century of experience
Get an Auto Insurance Quote Today
Protect your vehicle and your peace of mind with coverage you can trust. Get a personalized auto insurance quote from AR Schell & Son Agency today and see how easy it is to safeguard your drive in Plano, TX.
Protect what matters most with Schell Insurance, where nearly 100 years of expertise and a commitment to personalized service make all the difference. Contact us today to start building a lasting relationship with our trusted team.
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