Texas Auto Insurance Truth is the no-fluff podcast that pulls back the curtain on what’s really driving auto insurance rates in Houston and across Texas. Hosted by Keith from Baxter Insurance Agency, each episode cuts through the jargon to show you how the system works, why your premiums keep going up, and - most importantly - what you can do to stop overpaying.

If you’ve ever opened your renewal notice and wondered, “Why did my bill go up again? I haven’t had an accident or a ticket!” - this show is for you. The truth is, Houston drivers face unique challenges that most people don’t even think about until it’s too late. We’re talking nonstop highway construction on 290, I-45, and Beltway 8. We’re talking about hurricanes, hail, flooding, and even freezes that send claims skyrocketing. And we’re talking about the fact that nearly one in five drivers in Houston are uninsured - which means every time you get on the road, you’re carrying more risk than you realize.

Every episode breaks down one big topic with real Houston examples. You’ll hear about the hidden dangers of sticking with minimum coverage on I-10, how your credit score can raise your rates even more than a speeding ticket, why insurers treat different Houston neighborhoods so differently, and what discounts most drivers never bother to ask about. We weave in true stories from Houstonians - people in Katy, Pearland, Sugar Land, the Heights, and the Woodlands - so you can see exactly how these issues play out in real life.

Unlike most insurance talk, this podcast isn’t here to scare you or sell you. It’s here to educate you with strategies you can act on today. We’ll show you how to shop multiple carriers the smart way, why Progressive might be the best fit for one driver and Germania for another, and how Geico or Travelers can often save you money if your profile lines up with what they reward. We’ll also bust the myths that keep people stuck - like the idea that loyalty always gets you better rates, or that you have to wait until renewal to switch carriers.

And yes, we’ll give you action steps in every episode. Want to cut your rates this week? We’ll cover defensive driving discounts, usage-based telematics programs, deductible adjustments, and the one phone call that can make the biggest difference. At Baxter Insurance Agency, 7 out of 10 people who call us save money, and we bring that same insider knowledge straight to you on this podcast.

Houston traffic is stressful enough. Your auto insurance doesn’t have to be. Whether you’re merging onto I-45, dodging a storm on 59, or sitting in gridlock on Beltway 8, this show is designed to make sure you’re not paying more than you should.

Subscribe to Texas Auto Insurance Truth today and start driving with confidence. Because the more you know, the more you save—and the safer your future becomes.