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Auto insurance for high risk drivers in Texas

Any insurance company before writing or renewing an insurance policy for a car owner will do a background check on him/ her to see how accident prone the person is. Meaning that depending on your driving history, the risk probability of the person is determined and the insurance premium is charged accordingly. The lesser the number of violations and incidents to your name, the less “risky” you are as a driver and the insurance companies will lower the premium on your policy. However, if you are the stage of life where you have collected many tickets, violations and accidents in your name then you are a “high risk” driver, and will have to pay for it literally. Insurance companies can add surcharges on the insurance premium up to 60 percent for the following:

•           Speeding violations

•           Accidents

•           Driving under influence

•           Criminally negligent driving

•           Involuntary manslaughter

•           Driving without a license or with a suspended license

Some of the surcharges are mandatory and are applicable for three years to your premium. Companies also see the credibility of the person before selling an insurance policy and may also refuse a policy on that basis. Although a company cannot refuse writing or renewing a person’s auto insurance policy solely on the basis of the person’s credit. Insurance companies can also access Comprehensive Loss Underwriting Exchange (CLUE) to get full details of a person’s insurance claims’ history.

If you cannot find a company that is willing to sell you an insurance policy then you might be able to get one through Texas Automobile Insurance Plan Association (TAIPA), though it will cover just the basic coverage as stated by law. A person can apply for coverage by TAIPA if two insurance companies refuse to sell him insurance policies. TAIPA offers liability, personal injury protection, and uninsured / underinsured motorist coverage only. Insurance from TAIPA is more expensive than auto insurance from most companies and also charges surcharges for traffic tickets and accidents. If TAIPA policy holders go three years without tickets or accidents, the companies are required to offer cheap voluntary policies to them. The best way to reduce your insurance premium is by having the cleanest possible driving record, so that you are not considered to be “high risk”.

To find about more about auto insurance quotes in your state and compare them to your current insurance policy, go to the bar on top of this page and enter your zip.