Like insurance everywhere, Texas auto insurance can be a headache at times. However, for your own protection and the protection of those around you, it's crucial that you be insured before you get behind the wheel of a vehicle. This section is aimed to answer your questions about Texas auto insurance.

Auto Insurance Agents

Need to find an auto insurance agent in your area? Read more....

Comparing Companies

Different Texas auto insurance companies have different ways of determining rates. Credit might be a significant rating factor for one company, but only a minor factor for a different company. Read more...

Insurance Discounts

Texas auto insurance companies offer discounts on premium based on factors that they believe indicate higher-than-normal levels of personal responsibility. The best example of this is the defensive driving discount. Many insurance companies in Texas will offer a discount on your auto policy if you present a certificate of completion for a state-approved defensive driving course, such as the courses we offer here at Driving University. Read more...

Levels of Auto Insurance

In addition to the Texas minimum legal requirements, you can also purchase higher limits of liability and other additional coverages. Medical bills from accidents can become extremely expensive, especially if the injuries are severe or cause long-term health problems.  Read more...

Risks of Not Having Auto Insurance

The main risk of not having insurance is financial. If you cause an accident and do not have a Texas auto insurance policy, you are legally obligated to pay for the damages yourself. You could easily get stuck with a medical bill that costs as much or more than your house! Also, if you are uninsured and cause an accident, the state will suspend your driver's license. Read more...

Texas Motorcycle Insurance

In Texas, if you are operating a motorcycle, you have to have at least a basic liability policy for it. The required liability limits are the same as for a Texas auto policy: bodily injury limits of 25,000/person and 50,000/accident, and 25,000 for property damage. Read more...

Types of Auto Insurance Coverage

Have you ever actually tried to read through an auto insurance policy? There's a reason that books about insurance don’t make it to the top of the charts: policies are long, complicated, boring, and sometimes seem to be written in a language that only an insurance agent can understand. Read more...

What Affects Insurance Rates?

Insurers rate you based on the level of risk they feel you represent to them, and they charge you accordingly. So, having tickets and accidents can raise your rates significantly. Texas insurance companies' statistics show that if you've been in one accident, you're more likely to be in another. Also, if you've had a speeding ticket that added points to your driving record, you probably aren't being the safest driver you can be. Read more...