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You are not applying for a loan so the credit request is flagged as being for insurance only. However your credit score can give you a lower rate on both Auto and Home Insurance. Most companies use credit-based insurance rates. Leaving off your social security number when requesting a quote will result in either a non-quote or a high rate on the quote.","@type":"Answer"}},{"name":"What is the difference between Comprehensive & Collision?","@type":"Question","acceptedAnswer":{"text":"Comprehensive or Other Than Collision and Collision are physical damage insurance coverages on a personal or business auto insurance policy. Collision coverage provides reimbursement for damage less deductible for your vehicle after you’ve been in a car accident. Comprehensive or Other than Collision, provides reimbursement less deductible for a set of named perils that include, fire, hit an animal, falling object, car get’s struck by lightning and more.","@type":"Answer"}},{"name":"Do I need more than the State Minimum Auto Liability Coverage?","@type":"Question","acceptedAnswer":{"text":"The quick and easy answer is, yes. Texas state minimum auto Liability is $30,000 per person for Bodily Injury to the other person up to a total of $60,000 per accident, and $25,000 for property damage to the other person per accident. The insurance company will only pay up to the limits you purchase and you are responsible for the difference in cost. If you hit and total a newer vehicle, is $25,000 enough or will you be left footing the repair bill? If you put someone in the hospital, will $30,0","@type":"Answer"}},{"name":"Does my car insurance cover me when I rent a car?","@type":"Question","acceptedAnswer":{"text":"If you carry comprehensive and liability coverage on your car insurance, then coverage will extend to your rental car. If you’re renting a car of similar value to your personal car, in all likelihood the insurance coverages will be adequate for the rental. Remember that you would have your deductible to pay in the event of damage to the vehicle rented. You should also check with your credit card company — If you rent using a credit card, you may have some rental car coverage through the credit c","@type":"Answer"}},{"name":"How much should I insure my home for?","@type":"Question","acceptedAnswer":{"text":"Replacement Cost for Your Home is Not Based On Current Real Estate Prices that change based on the area of town the house is located and the market. In real estate looks at what someone else will pay for your home. Insurance is based the rebuild cost. Example, after a fire, there would be the cost of tear out before you even start the reconstruction. A contractors cost is not based on the area of town you live in. There is also a 80% Coinsurance provisions in the policy that require the insured","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"is_active":true,"created_at":"2026-06-11T22:13:37.345028+00:00","updated_at":"2026-06-11T22:13:37.331+00:00","faq":[{"answer":"Insurance ‍inquires ‍do ​not ​affect ‍your ​credit ​score. ‍You ​are ‍not ​applying ​for ‍a ‍loan ​so ‍the ​credit ​request ‍is ‍flagged ‍as ​being ‍for ​insurance ‍only. ‍However ‍your ​credit ‍score ​can ‍give ​you ‍a ​lower ​rate ‍on ​both ​Auto ‍and ​Home ‍Insurance. ‍Most ‍companies ​use ​credit-based ​insurance ‍rates. ‍Leaving ‍off ‍your ​social ​security ‍number ​when ​requesting ‍a ​quote ‍will ​result ​in ‍either ‍a ​non-quote ‍or ​a ​high ‍rate ‍on ‍the ​quote.","category":"general","question":"Does running a Insurance quote affect your credit score?"},{"answer":"Comprehensive ‍or ‍Other ​Than ​Collision ‍and ​Collision ​are ‍physical ​damage ‍insurance ​coverages ​on ‍a ‍personal ​or ‍business ​auto ​insurance ‍policy. ‍Collision ‍coverage ​provides ‍reimbursement ​for ‍damage ‍less ‍deductible ​for ‍your ​vehicle ‍after ​you’ve ‍been ​in ​a ‍car ​accident. ​Comprehensive ‍or ​Other ‍than ‍Collision, ‍provides ​reimbursement ​less ​deductible ‍for ‍a ‍set ‍of ​named ​perils ‍that ​include, ​fire, ‍hit ​an ‍animal, ​falling ​object, ‍car ‍get’s ​struck ‍by ​lightning ​and ‍more.","category":"general","question":"What is the difference between Comprehensive & Collision?"},{"answer":"The ‍quick ‍and ​easy ​answer ‍is, ​yes. ​Texas ‍state ​minimum ‍auto ​Liability ​is ‍$30,000 ‍per ​person ‍for ​Bodily ​Injury ‍to ‍the ‍other ​person ‍up ​to ‍a ‍total ‍of ​$60,000 ‍per ​accident, ‍and ​$25,000 ‍for ​property ​damage ‍to ​the ​other ‍person ​per ‍accident. ‍The ‍insurance ​company ​will ​only ‍pay ‍up ‍to ‍the ​limits ​you ‍purchase ​and ​you ‍are ​responsible ‍for ​the ​difference ‍in ‍cost. ​If ‍you ​hit ​and ‍total ‍a ‍newer ​vehicle, ‍is ​$25,000 ‍enough ‍or ‍will ​you ‍be ​left ‍footing ​the ‍repair ​bill? ​If ‍you ​put ​someone ‍in ​the ‍hospital, ‍will ‍$30,0","category":"general","question":"Do I need more than the State Minimum Auto Liability Coverage?"},{"answer":"If ‍you ‍carry ​comprehensive ​and ‍liability ​coverage ​on ‍your ​car ‍insurance, ​then ​coverage ‍will ‍extend ​to ‍your ​rental ​car. ‍If ‍you’re ‍renting ​a ‍car ​of ‍similar ‍value ‍to ​your ‍personal ​car, ‍in ​all ‍likelihood ​the ​insurance ‍coverages ​will ​be ‍adequate ​for ‍the ‍rental. ‍Remember ​that ​you ​would ‍have ‍your ‍deductible ‍to ​pay ​in ‍the ​event ​of ‍damage ​to ‍the ​vehicle ​rented. ‍You ‍should ​also ‍check ​with ​your ‍credit ‍card ‍company ​— ‍If ​you ‍rent ‍using ‍a ​credit ‍card, ​you ‍may ​have ‍some ​rental ​car ‍coverage ​through ​the ‍credit ​c","category":"general","question":"Does my car insurance cover me when I rent a car?"},{"answer":"Replacement ‍Cost ‍for ​Your ​Home ‍is ​Not ​Based ‍On ​Current ‍Real ​Estate ​Prices ‍that ‍change ​based ‍on ​the ​area ‍of ‍town ‍the ​house ‍is ​located ‍and ‍the ‍market. ​In ‍real ​estate ‍looks ​at ‍what ​someone ​else ‍will ​pay ​for ‍your ​home. ‍Insurance ‍is ‍based ​the ​rebuild ​cost. ‍Example, ‍after ‍a ‍fire, ​there ​would ‍be ​the ​cost ‍of ​tear ‍out ​before ​you ‍even ‍start ​the ‍reconstruction. ​A ​contractors ‍cost ‍is ‍not ​based ‍on ​the ‍area ‍of ‍town ​you ‍live ​in. ‍There ​is ‍also ​a ​80% ‍Coinsurance ​provisions ​in ‍the ​policy ‍that ‍require ‍the ​insured","category":"pricing","question":"How much should I insure my home for?"}],"country":"United States","status":"draft","og_image_url":null,"industry_subtype":null,"profile_tier":"free","short_tagline":"Insurance Agency in Port Arthur","primary_category":"Insurance Agency","schema_type":"LocalBusiness","primary_address":{"city":"Port Arthur","region":"Texas","street":"8700 9th Ave #102, Port Arthur, TX 77642","country":"US","postal_code":"77642"},"geo_coordinates":{"lat":29.953993,"lng":-93.9846512},"service_areas":["Port Arthur"],"phone":"+14097292000","hours_by_day":null,"price_range":null,"review_summary":{"sources":[{"count":37,"rating":4.9,"platform":"google"}],"total_count":37,"average_rating":4.9,"weighted_reputation_score":4.34},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":[],"differentiators":[],"social_profiles":[{"url":"https://www.facebook.com/terry.cauthen.9/","platform":"facebook"},{"url":"https://www.linkedin.com/in/terry-cauthen-88110930/","platform":"linkedin"}],"citations":[],"last_verified_at":"2026-06-11T22:13:37.331+00:00","data_sources":["Website Scan","Social Media Profiles","AI Content Analysis"],"languages_supported":["lang=\"en","en"],"profile_language":"en","description_short":"Secure comprehensive coverage for your home, auto, and business needs in Port Arthur. 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