An annual review catches everything that drifts — missing discounts, outdated coverage, and life changes the policy hasn't kept up with.
The 10-minute review checklist
- Confirm every vehicle and driver is current
- Confirm garaging address is correct
- Verify liability limits still match your assets
- Verify UM/UIM matches your liability
- Confirm deductibles you can still pay
- Review every discount currently applied
- Note any discounts not applied that you might qualify for
- Compare premium to a fresh quote from at least 2 other carriers
Free policy review
We do this for clients every renewal at no cost — it's the most effective way to keep coverage right and premium honest.
Frequently asked questions
When should I do a policy review?
30–45 days before renewal, plus anytime a major life event happens.
Can I do it myself?
Yes, but an independent agent can compare multiple carriers in one pass.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.