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
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...
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
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