Auto Insurance

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Pronto offers strong and flexible auto insurance options


At Pronto, we know that insuring your vehicle is more than just a basic obligation. You can customize your policy with the option to choose between our policy packages, 1,3,6 month term, Additional liability options, Collision & OTC, Personal Injury Protection, Road-side Assistance and much more.

  • Essential Package
    • Auto Liability.

    • Uninsured / Underinsured Motorist (UM/UIM) Coverage

    • Personal Injury Protection (PIP) Coverage

    • Roadside Assistance (Available for 6 Month Policies)

    Read details
  • Comprehensive Package
    • Auto Physical Damage Policy.

    • Collision Coverage

    • Comprehensive Coverage ((or OTC))

    • Rental Coverage

    • Towing Coverage

    • Custom Equipment

    Read details
  • Alternative Package
    • Non Owner’s Liability Policy

    • SR 22 (Available for 6 Month Policies)

    Read details

Essential Package


Auto Liability.

Available 1, 3, or 6 Month Policies

Includes

$30k protection on bodily injury for one person per accident.

$60k protection on bodily injury for all persons per accident.

$25k protection of property damage per accident.

Additional Available Coverages
  • Uninsured / Underinsured Motorist (UM/UIM) Coverage

  • Personal Injury Protection (PIP) Coverage

  • Roadside Assistance (Available for 6 Month Policies)

Learn more

Comprehensive Package


Auto Physical Damage Policy.

Available 6 Month Policies

Includes

Comprehensive Coverage $500 Deductible.

Collision Coverage $500 Deductible.

Additional Available Coverages
  • Collision Coverage

  • Comprehensive Coverage ((or OTC))

  • Rental Coverage

  • Towing Coverage

  • Custom Equipment

Learn more

Alternative Package


    • Protects drivers from financial loss in accidents while operating vehicles that are not theirs.

    • Used to insure individuals who do not own a vehicle, but who frequently drive or rent vehicles.

    • Only the named insured is covered under a Non–Owner policy.

  • b.
    SR 22

    (Available for 6 Month Policies)

    • SR22s are sold when a driver’s license needs to be reinstated.

    • Texas requires a driver to maintain SR–22 insurance for two years from the date of filing in order to keep a valid driver’s license status.

    • If the policy is canceled or expires before the two–year period has elapsed, the license will be suspended.

    • SR22s must be issued for the named insured.

    • If insured is not a registered owner of a vehicle, he/she may apply for a non–owner’s policy (See Section IIIA).

Essential Package


Auto Liability.

Available 1, 3, or 6 Month Policies

Includes

$30k protection on bodily injury for one person per accident.

$60k protection on bodily injury for all persons per accident.

$25k protection of property damage per accident.

    Additional Available Coverages
    • Provides coverage in cases where the other driver does not have insurance or has too little insurance or in cases of a hit and run accident.

    • Offers the same limits as liability coverage.

    • Property damage has a deductible of $250.

    • BI and PD portion can be purchased together or separately.

    • If the insured elects to reject UM or UIM coverage, a rejection for both the BI and PD portion must be signed or the coverage will be added to the policy and the applicable premium will be retroactively charged.

    • Provides coverage, regardless of fault, for necessary medical/funeral expenses and reasonable loss of income up to the limits afforded under the policy.

    • Limit is $2,500 for each covered person per accident.

  • Roadside Assistance

    (Available for 6 Month Policies)

    • (1) Towing Assistance, (2) Battery Service, (3) Flat Tire Assistance (4) Lock-Out Assistance, (5) Emergency Fluid Delivery Service by calling this toll free number 1-888-983-3583

    • Discounts in nationwide branded hotels and AVIS car rentals

    • Benefits are available to all named insureds for the covered vehicles listed on the policy

    • Bilingual Call center 24/7 to serve you 24 hours a day, 365 days a year.

    • High value services at a low cost of $30 dollars for 6 months ($5 per month) for the principal vehicle and $12 dollars ($2 dollars per month) for any additional vehicle

    • See more in terms and conditions

    • Insured must disclose any current or past policies with Pronto Insurance.

    • Vehicle must be used for personal use only (cannot be used for Commercial or artisan purposes).

    • All operators must reside and work in Texas.

    • All vehicles and drivers must reside in the main insured’s household (except for listed in-state students).

    • Insured must disclose all vehicle operators and household members over the age of 12. Vehicle cannot be regularly available to a non-listed driver.

    • Insured must disclose any traffic violation or past accident that occurred in the last 3 years for all operators. Operators cannot have violations exceeding 7 points, or any policy that has developed or incurred more than 10 points; this includes no more than one DWI, DUI, alcohol, or drug violation in the past 36 months.

    • Vehicle must be under 40 years old.

    • Vehicle owner must be disclosed on the application.

    • Vehicle must have valid US license plates.

    • Vehicle cannot be owned by a corporation, business, or Government.

    • Vehicle cannot be exotic, rare, vintage or used for racing – check U/W Guidelines for more details.

Comprehensive Package


Auto Physical Damage Policy.

Available 6 Month Policies

Includes

Comprehensive Coverage $500 Deductible.

Collision Coverage $500 Deductible.

    Additional Available Coverages
    • Pays for the lesser of repairs, replacement or Actual Cash Value of an insured vehicle resulting from a collision with an object or vehicle.

    • Provides coverage to the insured vehicle for non-collision events.

    • Named perils covered include hail, fire, theft, vandalism, windstorm, contact with animal, falling objects, and others listed in the policy.

    • Note that UM/UIM, PIP, and Roadside Assistance can be added to a policy with physical damage (see Section 1 - Additional Available Coverages).

    • When there is a covered loss, we will reimburse the incurred expense for a substitute vehicle from a licensed rental car agency for up to $25 a day, with a limit of $750 (equivalent of 30 days).

    • Our rental coverage does not restrict you to an “approved rental company” or a rental company with limited days/hours of operation; you are free to choose the rental company.

    • When the covered vehicle is disabled, we will pay towing and labor costs incurred, with a limit of $70 per occurrence.

    • For towing coverage to be provided, the customer must initiate the tow.

    • Will cover custom equipment up to $1,500.

    • Prior to binding coverage an invoice detailing cost of special equipment must be provided by insured and inspection of equipment by agent must be completed.

    • Equipment must be professionally installed.

    • Owner of vehicle must purchase policy and be listed as the named insured.

    • Vehicle must be less than 15 years old. (vehicle age changes October 1st of each year).

    • Vehicle must have a maximum retail book value of $60,000.

    • Vehicle must be present in order for an agent to inspect and take two pictures. Any current damage to the vehicle must be noted on the inspection form.

    • Vehicle must be operable and in good condition; coverage cannot be bound if there is severe body or flood damage.

    • Cannot be written or bound in any area where the National Weather Service has issued a watch or warning for severe weather and/or Pronto’s Underwriting Department has issued a moratorium.

Discounts Available

Pronto also offers several discounts to help save you money:

  • Multi-Car 
  • Renewal 
  • Liability Endorsement 
  • Physical Damage Endorsement

FAQS

  • What terms do you offer for an auto insurance policy?

    For our customer’s convenience, Pronto offers 1, 3, and 6 month auto policies, with budget friendly options.

  • What does Texas law require when it comes to auto insurance?

    Effective January 1, 2011, the mandatory minimum coverage is 30k/60k/25k which apply as follows:

    • $30,000 protection on bodily injury for one person per accident.
    • $60,000 protection for all bodily injury claims per accident.
    • $25,000 protection of property damage per accident.

    This coverage is commonly referred to as "30/60/25" which is an abbreviation. Keep in mind that this coverage only covers the third party involved in the accident and not the insured.

  • What is an Uninsured Driver?

    An uninsured driver is someone who is operating a vehicle without the mandatory minimum coverage required by Texas law.

    It is estimated that one in five Texas vehicles is uninsured.  That is nearly 4 million cars without insurance or about 20 percent of all vehicles in Texas. In some areas of the state, the concentration of uninsured vehicles may be even higher.

  • What is TexasSure?

    TexasSure is a new vehicle insurance verification system that allows law enforcement and county tax officials to confirm whether a vehicle in Texas has required auto liability insurance. TexasSure will help reduce the number of uninsured vehicles in Texas. It is expected to help stop the actions some motorists take to avoid the law. Visit www.texassure.com for more information.