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Insurance for Teen Drivers
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Rate Determining Factors
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Low Cost Car Insurance
Facts about Auto Theft
Frequently Asked Questions
Texas Auto Insurance FAQ
Q: Do I need auto insurance when I get my learner’s permit?
A: You do not need to get a car insurance policy until you get your driver’s license. However, when you are learning to drive with a learner’s permit, you must drive a car that has an insurance policy attached to it (ex. if you are learning to drive on your parents’ car, they must have an insurance policy.)
Q: What factors will determine my car insurance rates?
A: A number of factors go into determining your insurance rate, including your age, gender, location, your driving history, your credit score, and the automobile you are insuring.
Q: I’m about ready to buy a new car, but I want to choose one that does not ordinarily come with high insurance rates. Which cars should I consider buying?
A: The following cars usually have very low rates:
- Buick LeSabre
- Oldsmobile Silhouette
- Honda Odyssey
- Buick Park Avenue
- Pontiac Montana
- Mercury Grand Marquis
- Buick Century
- Chevrolet Venture
- GMC Safari
- Oldsmobile Bravada
Keep in mind that the type of car you drive is only one determining factor for your insurance rates.
Q: Is Texas a no-fault law state?
A: There are twelve states in the United States that are no-fault states, but Texas is not one of them.
Q: How much insurance do I need?
A: In order to legally drive in Texas, you need to have at least basic liability coverage. However, many professionals recommend that you add additional insurance coverage, including medical, comprehensive and collision.
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