If you live in Plano, TX, your state does not require you to carry any auto insurance besides liability protection. And this applies pretty much wherever you live, except for New Hampshire, where you are free to drive without insurance (though you do need to be able to pay for liability costs should you cause an accident). There are also a few states like Mississippi where you can skip insurance if you are willing to pay a fee to the government. This fee is usually more expensive than insurance, so insurance is effectively mandatory in these states anyway.
The states vary on how much insurance you are required to carry, but none of them require that you carry comprehensive and collision. This is because comprehensive and collision are an investment into your own property. We are required to carry insurance so that other drivers are covered for any damages that we cause. When it comes to our own damages, we’re free to use our own judgment.
Skipping comprehensive and collision isn’t a great idea, of course. But the only entities that can require that you carry it are lenders for car loans, cosigners, and other people or companies with whom you have entered a contract. In which case you are contractually obligated to carry insurance, but not by state law, and the matter would be handled in civil courts if you were to skip out on your insurance payments.
If you are still looking for an insurer to cover you in Plano, TX, get in touch with Paragon Independent Insurance Agency, and let’s see what we can do for you. You can call us or contact us through the Paragon Independent Insurance Agency website.