Our Story
About M&T Insurance Advisors
An independent agency built on a simple belief: everyone deserves affordable, personalized protection.
How We Began
Founded on Trust, Built on Service
M&T Insurance was founded by Monica and Teran with a shared passion for helping families and businesses find the right insurance solutions. As primas and family, they combined their experience, dedication, and commitment to their community to create an agency built on trust and personal relationships. The name M&T represents their maiden names, Manriquez and Teran, honoring their family roots and the bond that inspired them to begin this business journey together. Today, M&T Insurance continues to provide personalized service and reliable coverage while treating every client like family.
From our office in Mission, Texas, we serve families, business owners, truckers, renters and young professionals across the state — in English and in Spanish.
“Where Protection Meets Expertise” means we don’t just sell you a policy — we explain it, compare it, and stand by you when you need to use it.
Our Values
What Guides Every Policy We Write
Professional
Licensed, trained, and always prepared.
Trusted
Straight answers and no hidden surprises.
Community-Focused
Rooted in the Rio Grande Valley, serving all of Texas.
Protection-First
Coverage that actually covers you when it matters.
Customer-First
You get a real advisor, not a call center.
Why Independent?
We Work for You — Not One Carrier
- We compare multiple A-rated carriers on every quote.
- No pressure to fit you into one company's products.
- If your rate jumps at renewal, we re-shop it for you.
- One advisor handles all of your policies.
Patricia Contreras
Founder & Independent Agent
Licensed Texas insurance advisor serving the Rio Grande Valley and beyond.
Licenses & Credentials
Texas General Lines — Property & Casualty
Texas General Lines — Life, Accident & Health
Licensed Independent Agency
Get to know us — schedule a call today
Talk with a real, licensed advisor at (210) 974-9737. No scripts, no pressure.