Texas, and DFW in particular, has quite a few high net-worth individuals to go around. It's also a place where people tend to take a bit of pride in their vehicles. Buying an expensive vehicle is a popular way to show off one's wealth and, because of that, it's sometimes a good idea to consider getting a bit of extra coverage on your insurance policy. There are good insurance providers out there that will offer better coverage for not much more than they charge for their standard policies, so shopping around is generally a good idea.