Essential Auto Insurance Since 2011
We are committed to providing you with the best insurance coverage and customer service possible. Our team of experienced professionals are here to help you find the right policy to fit your needs and budget.
Explore our website to learn more about our services and
contact us today to get started.
Agent Advantages
Online Policy Access
Agent Advantages
Established in 2011, Connect Insurance’s Auto Program has set out to be the premier auto insurance partner of choice for independent agents.
Agents select us for their most seasoned clients because we have developed an auto insurance program that rewards insureds for their long-term loyalty and compensates agents fairly.
Our operating system was specifically chosen with our agents in mind for its ease of use and interactive ability.
We Speak Spanish
Online Policy Access
Agent Advantages
Our team includes a talented group of customer service representatives and claims adjusters that speak Spanish.
Se Habla Español
Nuestro equipo incluye un grupo talentoso de representantes de servicio al cliente y ajustadores de reclamos que hablan español.
Online Policy Access
Online Policy Access
Online Policy Access
Access your policy when you need to.
Connect Insurance policyholders have access online to:
- Get their ID Card
- Report a Claim
- Make a Payment
With new enhancements added all the time.
Our Team
Connect Insurance began in Texas with a focus on comprehensive and collision auto coverage, designed for drivers who value quality protection.
As we continue to grow, we’re expanding into neighboring states—paving the way toward our long-term goal: growing into a regional all-lines insurance provider and carrier.
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
Connect Insurance specializes in writing and servicing non-standard personal automobile insurance. We offer minimum-limits auto insurance policies in Texas, California, Oklahoma, and Utah.
The Connect family takes pride in the relationships we have built with our agents and insureds. Our staff works very hard every day to provide exceptional services and products at competitive rates and coverages. We aspire to become the number one choice of our targeted customers utilizing our core values of Integrity, Reliability, and Excellence.
Adjusting your coverage limits or raising your deductible can reduce your monthly rate, as long as it fits your needs. Lowering your annual mileage might also cut costs. Ask about available discounts, like those for continuous coverage.
You should add anyone who lives in your household or regularly drives your vehicle to your policy.
Insurance companies file their rates with state department of insurance and the rates charged must match the rates approved by the state. When other companies talk about choosing your rate, they are referring to your ability to pick or avoid coverages, so that the price you pay is close to what you want. Of course, you will likely not have as much coverage as you want, if you are not willing to pay more than you want.
We advise our independent insurance agents not to ever use the phrase "full coverage" because it is impossible for someone to be fully covered for every situation. Insurance policies have limits, deductibles and policy exclusions. All three of these reduce coverage, thus making it impossible to ever be fully covered. The most common example we see is when an insured calls in a claim, for example, their car was flooded. The insured then asks us for a rental car. Often time, insureds do not purchase Rental Reimbursement Coverage, which is a separate coverage from the Comprehensive or Other Than Collision coverage that they need to cover a flooded vehicle. We may respond that they don't have the correct coverage to pay for a rental vehicle. They then respond to us that "I have full coverage" to which we then respond that they need to review their coverage with their agent.
Liability Coverage is the minimum coverage that all drivers should purchase in order to satisfy state law. This coverage only provide payment to other 3rd parties that you may cause damage to in an auto accident. Purchasing liability coverage does not protect you or your vehicle from damage or injury caused in an accident.
Damage to Your Auto (Collision and Other Than Collision Coverage) is coverage that you should purchase if you want to protect your vehicle against covered causes of loss such as collision, flood, theft, vandalism, hail, etc.
Uninsured Motorist Coverage is coverage that you may want to purchase to protect you against Bodily Injury and/or Property Damage caused by someone that is driving without insurance or driving without enough insurance or an unknown individual that hits you and then runs. It is believed that 20-30% of the population of drivers fit this category of driving without insurance or without enough insurance to pay you for damages they cause you.
Medical Payments or Personal Injury Protection provides very limited coverage for injuries received in an accident. Your own health insurance may overlap this coverage, so if you are involved in an accident and your health insurance pays for your injuries, your health insurer will try and seek reimbursement from your auto policy.
Rental Reimbursement Coverage - If your vehicle is damaged in an accident and you have Coverage for damage to your auto, this coverage is required if you want reimbursement for rental car expenses while your vehicle is being repaired.
Towing/Labor - If you would like to have coverage that will reimburse you for out of pocket payments that you make to have a service come out and fix your tire or tow your vehicle, this coverage is designed for that purpose.
Roadside Assistance - If you want the type of coverage that sends out a tow truck or locksmith to help you with difficulties on the road, this coverage may be right for you. We use Auto Knight Roadside Assistance for our customers that purchase Roadside Assistance. They can be reached 24/7 at 866-366-9546
Loan/Lease Coverage - If you want coverage that will help if you owe more on your vehicle than what it is worth and your vehicle is involved in a covered total loss, then this coverage will increase you payout for a covered collision or other than collision loss by up to an additional 25%, thus helping you pay off your loan balance if you are upside down on a loan. Dealers offer Gap Insurance for this purpose, while Insurance companies offer this Loan/Lease coverage. The difference is Gap Insurance will cost you around $500 when you buy your car and it is rolled in to your financing, so it may add something like $3/month for the life of your loan. Loan/Lease coverage may cost you $8/month, give or take, but you can have it removed at any time, since you would not need it when your loan amount is less than your car's actual cash value.
Special Equipment Coverage - Customer equipment on pickups and vans is generally excluded from Damage to Your Auto coverage. Custom Rims or sound equipment may also have limited coverage on your auto policy. A custom paint job is also not generally covered. If there is anything special about your vehicle, you should review with your agent the need to buy custom equipment coverage.
Business/Artisan Use Coverage - Individuals that use their vehicle throughout the day, while working, should purchase this coverage since they have a higher probability of getting in an accident since their workday usually involves driving from one worksite to another.
Mexico Insurance Coverage - Most insurance policies do not provide automatic coverage outside of the United States, Canada or US Territories. If you are driving in Mexico, you should consider purchasing a Mexico Insurance policy or if you are driving only a few miles into Mexico, your insurance company may offer limited Mexico coverage. We recommend that you always purchase a policy from a Mexican Insurance company as they will generally have adjusters that can come out to the scene of the accident and they are staffed to provide you with immediate help in Mexico. A United States based insurance company is not generally prepared to help get you out of jail if you are in an accident.
REMINDER - Even if you purchase every single one of these coverages, you would still not be FULLY COVERED for every type of accident. Why? Because there are limits to each of these coverages, there are deductibles and there are exclusions that may result in claims denials in certain situations.
Whether your purchase Life Insurance, Home Insurance, or Auto Insurance... there are going to be a small percentage of claims that result in a claim denial due to a policy exclusion. For example, if you purposefully burn down your own house in order to collect on insurance, the company will likely not pay. The similar exclusion applies to auto insurance. If you have a fit of road rage and you intentionally crash into another car, there is a policy exclusion for intentional accidents. It is still very important that you purchase as much insurance coverage as possible so that you are protected in most cases. We feel that is better to let people know about limitations of insurance so that you can minimize disappointment that can occur if you don't have enough or the correct coverage.
- You have liability only coverage and someone hits you. You may report the claim and we will take the report, but we will let you know that this is a report only claim since you only have liability coverage. If you want protection for your car, you need Coverage for damage to your auto (also known as Collision and Other than Collision coverage)
- You have liability only coverage and you are delivering food for Uber Eats when you cause an accident. Most policies have an exclusion that does not provide coverage when you are delivering people or property for a fee. Some companies offer supplemental coverage that will provide you with additional coverage when working for rideshare or delivery service.
- You have liability only coverage and you use your vehicle in the course of your employment, such as landscaping or plumbing and you get in an accident. If you do not have Business Use or Artisan Use coverage on your vehicle, then your insurance company may deny paying the person you crashed into due to your not having the correct coverage.
- Every auto policy, regardless of company, has very similar policy conditions. Reporting a claim promptly is one of those conditions. Cooperating in the investigation of a claim is the most common condition for which claims may be delayed or possibly denied. The insured needs to answer the phone or respond to the email or text from the Adjuster so that the adjuster can confirm the facts of loss and coverage with the insured. An insurance company rarely pays a claim based only on the claimant's side of the story.
- You have Liability and Uninsured Motorist Coverage and someone vandalizes your vehicle. Some customers believe the Uninsured Motorist Property damage can be purchased as a cheaper replacement for Collision and Other Than Collision coverage. Uninsured Motorist Property Damage coverage only applies if your vehicle is hit by an uninsured motor vehicle.
Right After the Accident
- Pull over immediately – Failing to stop is a criminal offence.
- Turn off the engine and switch on your hazard lights.
- Check for injuries to yourself and your passengers.
- If it’s a minor accident with no injuries, still make a note of it — others may later try to claim injuries.
- Call emergency services (police and ambulance) if someone is injured or if the road is obstructed.
- Stay calm – It's natural to feel shaken. Take deep breaths and assess the situation. Avoid losing your temper.
- Do not admit fault or apologize until you're sure what happened. This helps protect you from liability if you're not at fault.
When to Call the Police
- The other driver leaves without giving their details.
- You believe the other driver is uninsured or under the influence of alcohol or drugs.
- You suspect the collision was intentional.
Exchange Information
- Legally, you must give your name and address to anyone involved if there’s damage or injury.
- Exchange insurance details with the other driver(s).
- Collect information about passengers and any witnesses.
- Find out if the driver owns the vehicle — if not, get details of the registered owner (e.g., if it’s a company car).
- If a foreign truck is involved, note the company name if it's visible on the truck.
Document the Scene
- Record the make, model, color, and number plates of all vehicles involved — or take clear photos.
- Note the time and date of the crash.
- Describe road and weather conditions, including lighting, surface quality, and road markings.
- Detail the damage to vehicles and where it occurred.
- Record any injuries to drivers, passengers, or pedestrians.
- Use your phone to photograph the scene, vehicle positions, and visible damage.
Filing an Insurance Claim
Contact your insurer as soon as possible, ideally at the scene. They will need:
- Your policy number or identifying information (e.g., postcode, car registration).
- The registration numbers of all vehicles involved.
- The driver’s name, address, and phone number.
- The driver’s insurance details, if available.
To file a claim, you can reach us by phone at 855-664-5050 (we offer English and Spanish assistance) or online at by clicking REPORT A CLAIM on this page. A claims representative will assist you in getting your claim started.
Please have your policy number ready. Filing a claim usually takes 10-15 minutes.
You can check the status of your claim by calling us at 855-664-5050.
Before you file--
Ensure safety first if there has been a road incident and reach out first to emergency services if needed. Take photos of all vehicles involved, damage, license plates, and any relevant details like street signs or road conditions. Gather names, contact information, insurance details, and driver license numbers of all involved, if police arrive, please obtain the incident report number.
The sooner you can file your claim, the faster we can have you back on the road.
How can I make my payment?
- Online- Log into your account at Connectinsurance.com and navigate to the billing section.
- Phone- Call (888) 664-7127 to make a secure payment over the phone.
- Mail- You can mail a check, cashier’s check, or money order to:
Connect MGA LLC
PO Box 260599
Plano, TX 75026-0599
- Pay via agent- Visit your agent or local office.
What payment method do you accept?
Payments can be made via credit/debit cards, ACH/Checking account, by mail only-Cashier’s check or Money Orders.
How long does it take for a refund check to be delivered?
On average, it takes up to 7 business days for the check to be delivered by the United States Postal Service. We do not offer overnight delivery services.
Can I set up automatic payment on my policy?
Yes, we offer electronic funds transfers (EFT). Automatic payment can be setup using bank account, credit card, or debit card.
What happens if my payment fails?
We will notify you by mail and attempt to retry. A late fee may be applied on the second day from the due date.
Why is my payment already due 20 days after starting the policy?
This can happen if the payment plan you selected included a 17% down payment with five monthly installments. In this case, the first payment will be due twenty (20) days after the effective date of the policy and the remaining payments will be due every thirty (30) days.
Can I change my due dates on the policy?
Yes, with a written request along with pre-payment for the additional days.
What is an NSF Fee?
Non-sufficient funds (NSF), or insufficient funds, is the status of a checking account that does not have enough money to cover all transactions. A $25 NSF fee will be applied for any NSF transaction by a bank or financial institution.
Is there a cancellation fee if I request to cancel the policy?
A fee of $5 will be applied to cancel a policy prior to the expiration date. A late fee is not applied for cancellation as of the expiration date of the policy.
How long does it take for the payment to be returned to my account after it was credited?
Depending on your financial institution, it can take up to 3 to 7 business days.
Can I get a copy of my payment receipts that were drafted with Ezpay/EFT?
Yes, you can request a copy of your receipt by contacting/emailing customer service. You will need your name and policy number. Receipts can only be provided for transactions that go back twelve months from current date.
I cancelled my policy, when will I receive my refund?
On average, refunds for unused premiums are processed within 7-10 business days after cancellation.
Contact Us
Please submit any questions you have about finding the coverage that's the right fit.
Por favor, envíe cualquier pregunta que tenga sobre encontrar la cobertura que sea la opción ideal.
Need to submit a claim? Please REPORT A CLAIM instead.
¿Necesita presentar un reclamo? Por favor, REPORTE UN RECLAMO en su lugar.
Customer Service
Phone: 888-664-7127
Fax: 888-664-5889
Claims
Phone: 855-664-5050
Marketing
marketing@connectinsurance.com
Mailing Address
P.O. Box 260599
Plano, TX 75026
Contacta a nuestro Departamento de Servicio
Protect your assets with Connect Insurance
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