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Affordable Auto Insurance

Best Auto Insurance Coverage and Rates

More Than 250 Carriers In Our Network

Local Auto Insurance Agents

We Offer Auto Insurance In Texas and Beyond

Auto Insurance Coverage Nationwide

At Belus Insurance, we understand how important it is to have reliable auto insurance that fits your needs and budget. No matter where you live in the U.S., we've got you covered with policies tailored to protect you and your vehicle.


As an independent agency, we work with a large network of trusted carriers to find you the best discounted rates without compromising coverage. From basic liability to comprehensive protection, we simplify the process of comparing options, so you can drive with confidence knowing you're protected.


Our team is dedicated to providing exceptional service, ensuring you receive the best value and coverage for your auto insurance needs.

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Quick Home & Auto Quote

Save big with Belus Insurance when you bundle your home and auto insurance. Request a quote or speak with a local Belus Insurance agent today.

Auto Insurance Basics

Most drivers are required to carry minimum liability insurance, often referred to as 30/60/25 coverage, which includes:

  • $30,000 for bodily injury per person.
  • $60,000 for bodily injury per accident (if multiple people are injured).
  • $25,000 for property damage per accident.


This coverage helps pay for injuries or property damage you cause to others in an accident. It doesn’t cover your own injuries or vehicle damage.

auto insurance

Additional Coverage Options

To ensure more comprehensive protection, many drivers choose to add optional coverages, such as:

  • Collision Coverage: Pays for damages to your vehicle after an accident, regardless of fault.
  • Comprehensive Coverage: Covers non-collision damages (e.g., theft, vandalism, weather-related damage).
  • Uninsured/Underinsured Motorist Coverage: Protects you if the at-fault driver doesn’t have sufficient insurance.
  • Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of fault.
  • Medical Payments (MedPay): Similar to PIP, but with more limited benefits.

Penalties for Driving Without Insurance

Failing to meet auto insurance requirements can result in:

  • Fines ranging from $175 to $350 for a first offense.
  • Additional fines and penalties for subsequent offenses, including vehicle impoundment.
  • Surcharges to maintain your driver’s license.

Discounts and Savings

Many insurers offer discounts for:

  • Safe driving records.
  • Bundling auto insurance with home or other policies.
  • Completing defensive driving courses.
  • Vehicles with safety features like airbags and anti-theft systems.


Belus Insurance can help you navigate auto insurance requirements and secure the best coverage at competitive rates. Contact us today to get a free quote tailored to your needs!

Get Your Auto Insurance Quote Now

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