Helpful agents are standing by: (713) 388-6900
Press play below to listen to our audio commercial:

Auto Insurance Requirements In Texas And High-Risk Drivers

There are some factors that make impact on the rate of your auto insurance. Companies use these factors to your policy history and decide what rate of gross premium to charge you. They are and your age and your marital status, driving record, your car’s type, credit score, whether you drove in Texas uninsured. A company can’t refuse you with auto insurance in Texas based on your credit history only.

You can use discounts to change your premium. There are some opportunities to get discounts for some categories of people like to students with good grades, if you have more than one car in a policy a homeowner’s policy with the same company, if you passed driver education courses for young drivers or defensive driving courses. In case if your car has airbags, antilock brakes or antitheft devices, it can count for discount grades as well. When you are going to buy your insurance for the first time, the policy agency will try to find out if you are likely to cause an accident in future checking your driving history. That is important to do to reduce high-risk” drivers. Sometimes, when you had accidents before on the ticket of your driving record, you would have to pay more for the insurance premium in TX.

Agencies can add surcharges to your policy insurance if you had accidents and tickets for moving violations or tickets for driving under influence or without driving license in your past. If you with some reasons cannot find the direct agency which will provide you with the policy, you can always get basic coverage with the TAIPA (Texas Automobile Insurance Plan Association). You can be provided with TAIPA coverage assistant if more than two agency rejected auto insurance policy to you. Texas Automobile Insurance Plan Association only offers liability, UM/UIM coverage’s.

Surcharges for accidents are more expensive with TAIPA and the TAIPA insurance in total also much more expensive. If you want to get TAIPA, apply to a licensed insurance agent. In some cases, insurance agencies can refuse to you with the insurance with the reason if you file a fraudulent claim, you don’t pay your premium or you driver license is suspended. During two month when you have activated your policy, the agency can cancel it with a serious lawful reason. The agency must send you a notice about it in case and refund you unearned premium.

In Texas insurance agency can’t refuse to renew your policy if the matter is because of weather bad conditions (floods, tornadoes, high winds), damage from gravel and birds, other labor claims. If you got cancelled, be sure that your old insurance will be cancel after you get a new policy insurance.

You didn’t need rental coverage if you have comprehensive and collision coverage on your current car. You are still covered for a rental car as much as on your own car. If you have a brand new car, you should be fine but you should go get an additional coverage if your car only worth a few thousand.