Wheeler & Associates Insurance

1605 West Ave. H Ste 100 Temple, TX 76504


Wheeler & Associates Insurance is a family owned and operated company in the heart of Temple, TX. Our agency has over 19 years of experience. We specialize in Home and Auto insurance in Texas. Please call our office today for a quote (254) 791-0039.


Frequently Asked Questions Regarding Auto Insurance

We try to anticipate questions you might have about our Car Insurance and provide the answers here. If you need additional information please feel free to call our Temple, TX location at (888) 587-9110 or our Marlin, TX location at (254) 803-2518.  And we would be glad to assist you with your question even give you  a free quote. 


Do I need Auto Insurance to drive my car?

  • Yes! Texas requires you to have liability coverage.


Whats the minium amount of coverage I need?

  • The minimum amount of coverage in the state of Texas is liability coverage.  Which includes bodily injury insurance and property damage liability Texas limits are 30,000/60,000 for bodily injury 25,000.


What coverage should I get?

  • The best choice of coverage would be collision coverage, comprehensive coverage, and personal injury protection.  With this coverage it is also a good idea to get roadside assistance and car rental.  This would insure great protection for your vehicle.


Where can I get cheap auto insurance?

  • The best way to get cheap auto insurance is to compare rates from different company's.  This is something we can do for quote our agency with the many different company's we do offer.


How can I lower my insurance premium?

  • One way to try and lower your rates is to adjust your comp and collision deductible.  The higher your deductable is the less money it cost you per  6 months.  We are always glad to quote changes to your policy to see how much money you could save.


What discount can I get on my insurance?

  • When you insure your home and car with the same company but, some company's that we have offer discounts if you own a home even if you do not have the home insurance with the auto insurance.  Some company's give discounts for installing security systems into your car or for you home.  And of course having a good driving record!  There are so many more ways you can get discounts just call us for a quote and we can get started finding those discounts today.


Does my credit score affect my insurance?

  • Yes! Most insurance company's now look at your credit score to determine your auto insurance rates.