(956) 687-3334
We shop 15+ top-rated carriers so you don’t have to — liability, full coverage, SR-22, non-standard. One call. Same day. Se habla español.
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A local agent will call you back — usually same day during business hours. In a hurry?
Call (956) 687-3334Texas has its own rules. We make sure you’re legally covered and protected against what actually happens on RGV roads.
Texas requires 30/60/25 liability: $30K per person, $60K per accident, $25K property damage. Covers damage you cause to others — not your own vehicle. We explain the gaps so you can decide what else you need.
Repairs or replaces your vehicle after a crash, regardless of fault. Required by most lenders and leases.
Hail, flooding, theft, fire. The RGV gets hit hard by hail storms — if you drive a newer vehicle, this is worth it.
Texas has one of the highest uninsured driver rates in the US. This covers you when the other driver has no insurance.
Covers medical expenses for you and passengers after any accident, regardless of fault. Helps with hospital bills and lost wages.
Most RGV drivers don’t have a perfect record. We work with non-standard carriers and find coverage no matter your situation.
DWI, suspension, or lapse in coverage — we file same day and get you back on the road fast.
Multiple violations, poor record, or coverage gaps — we work with carriers built specifically for this.
New to Texas or just got your license? We find affordable options with no credit history required.
Don’t own a car but need liability to satisfy a court requirement or reinstate your license? We handle it.
Trucks, vans, delivery vehicles — personal policies don’t cover commercial use. We do.
We help you find the most affordable option now, then re-shop when your record clears.
Going direct to one company means one price. Coming to MIG means we call all of them and come back with your best option — Progressive, GEICO, Nationwide, Snap, GAINSCO, and more.
You call MIG, Gerino picks up. You text, he responds. No 1-800 numbers, no rotating support reps, no “your call is important to us.” Just a local agent who lives in this community.
We know which carriers handle claims fastest in the Valley. We know what hail season means for your comp rates. That’s local expertise you don’t get from an app or a 1-800 number.
Insurance is complicated enough in one language. We explain every option clearly in whatever language you’re most comfortable with. No confusion, no assumptions.
Our service is 100% free to you. We’re paid by the carrier through a commission that’s already in the rate. You pay the same or less than going direct.
As an independent agency, we’re not tied to any single carrier. We shop all of them and recommend whoever gives you the best price and coverage for your situation.
“Gerry goes above and beyond every time. He came to our home, took all the time we needed, and answered every question patiently. I can just text him and he always helps me out.”
“Mr. Alejos was very professional and made sure he understood my situation before recommending anything. He found a great product based exactly on what I needed.”
“The office is modern, clean, and very welcoming. They’re genuinely focused on finding the best plan for your family — not just selling you something.”
No jargon. Just the answers RGV drivers actually ask us.
Texas requires at least 30/60/25 liability coverage: $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. This is the legal minimum — it covers damage you cause to others but pays nothing toward your own vehicle or medical bills. Most agents recommend higher limits to protect your personal assets.
An SR-22 is a certificate proving you carry minimum-required coverage — Texas DPS requires it after DWI, at-fault accidents without insurance, or repeated violations. We file the SR-22 electronically through your carrier, who notifies TX DPS directly. In most cases we can get you filed the same day you call. You typically need to maintain it for 2 years without any lapse.
No — our service is completely free to you. We’re paid by the carrier through a commission that’s already built into your rate. You pay the same price as going direct, often less, because we can shop 15+ carriers simultaneously. There is no broker fee, no consultation charge, and no obligation to buy.
Liability only covers damage you cause to other people and their property — it pays nothing toward your own vehicle or injuries. “Full coverage” typically means liability + collision (crash damage to your car) + comprehensive (hail, theft, flooding, fire). If you have a car loan or lease, your lender requires full coverage. If your car is paid off, weigh the vehicle’s value against the added premium cost.
Yes. We specialize in non-standard auto insurance for drivers with difficult records — DWI, at-fault accidents, suspensions, multiple violations. We work with GAINSCO, Dairyland, Bristol West, and Snap Insurance, which are built specifically for these situations. Rates will be higher, but we find the most affordable option available.
Same day in most cases. Once we have your driver’s license, vehicle VIN, and current odometer reading, we can bind coverage and send proof of insurance by text or email within minutes. Some non-standard carriers require a quick photo inspection — we walk you through it step by step.
Personal auto policies exclude commercial use. If you use your vehicle for deliveries, Uber/Lyft, or any business purpose, you need a commercial auto policy or rideshare endorsement. We offer both. Be honest about how you use the vehicle — if a claim is filed and your carrier discovers unreported commercial use, they can deny coverage.
We’ll shop 15+ carriers and call you with your best option — same day. No call centers, no pressure, no runaround.
