Reader’s Question:

My sister is staying with me here in Houston Texas for the next two years and I’ve lent her one of my cars so she can go to and from school. Do you think I should designate her as primary driver of this car when I renew the auto liability insurance next year?

Addison

Houston TX

I’d love to have a sister like you, Addison! My sister blows a fuse when I even borrow one of her clothes.

Let me see, well, the rule of thumb is: she who drives the car most often should be named as the primary driver. If your sister intends to use the car everyday, then she should be designated as the primary driver then all other members of your Houston Texas TA household can be named as secondary drivers.

However, if your sister presents a higher risk than you, then you may want to rethink the rule of thumb. You see, the insurer will base its computations of auto insurance premiums on the designated primary driver’s projected mileage, age and driving experience, sometimes even that person’s credit-worthiness. You can actually check how much this impacts on the premiums by getting some online quotes. Just type in your zip code in the form on this site and you can get some free quotes from insurers in Houston Texas TA.

Whatever you decide to do, just make sure you remember to disclose all the drivers in your household so that you are not suspected of misrepresentation, which could be grounds for denial of coverage.

Tags: auto insurance, auto insurance premium, Car Insurance Company

Reader’s Question:

This is the first time I’ve ever owned a vehicle and I’ve been meaning to get auto insurance but don’t know what to ask or who to ask here in Irving Texas TX. Can you please give me tips on what type of auto insurance I need to get?

Alexander

Irving Texas TX

Hi there, Alexander. Congratulations on your new car! You know, the law here in Irving Texas TX states that you can’t drive without enough coverage for damages you may inflict on people or things while driving. In fact, the law further specifies a minimum 20/40/15 liability coverage. These three numbers are often referred to as liability limits – the 20 and the 40 means that the insurer provides $20,000 coverage for each person injured with a total of $40,000 per accident while the 15 means that the insurer will cover up to $15,000 worth of damage to property. Remember that any costs in excess of the coverage would have to be shouldered by you; hence, remember to ask what other liability limit levels are being offered by your local insurer.

There are other types of coverage which you can ask about such as:
- personal injury protection;
- medical payments coverage;
- uninsured/underinsured motorist coverage;
- collision coverage; and
- comprehensive coverage.

To help you decide on what you need, I suggest that you key in your zip code in the space indicated on this site to receive free quotes from insurers in Irving Texas TX. Three or four quotes should provide you with an idea, not only of the available liability limits, add-ons and features but also the corresponding costs. A holistic approach to decision-making should give you the best value for your money. Don’t be afraid to ask your insurer for specifics!

Tags: auto insurance, First time driver car insurance, Young driver car insurance

Reader’s Question:

My dad’s driver’s license is due to expire at the end of the year. We’d like to advise him not to renew it anymore because he’d be turning 75 years old. I was wondering, though, would it still be possible for him to keep the car as well as the auto insurance policy here in Pasadena Texas TX? We just want to make sure he doesn’t feel like he’s trapped at home.

Hannah

Pasadena Texas TX

Well, Hannah, there are US states which allow a person in his advanced age to own a car even without a valid driver’s license just as long as he has a state identification card. Unfortunately, keeping the auto insurance coverage is not as simple because senior auto insurance companies in Pasadena Texas TX usually require a licensed driver to be listed on the auto insurance policy. Sometimes, senior citizens who opt not to continue driving designate or name a fully licensed driver to get senior car insurance; hence, it’s not entirely impossible for your dad to continue his senior car insurance policy.

May I suggest that you first ask for quotes from at least five insurance companies which offer senior car insurance in Pasadena Texas TX. You can do that online just by entering your zip code on the form on this page. These potential insurers offer different terms and premiums based on the extent of senior auto insurance coverage you require for your dad. Don’t worry because you get the quotes for free.

The online quotes will give you a better idea of the options available to your dad in Pasadena Texas TX; once you’ve narrowed down your choices, you can probably contact the insurer directly regarding any other requirements they may have.

Tags: auto insurance, senior car insurance

Reader’s Question:

My work involves a lot of driving across the State so I plan to rent a car for the duration of my contract here in Abilene Texas TX so I don’t have to worry about car maintenance. Is there some kind of insurance I can get to ensure I get my money back if the rental company gives me a defective car?

William

Abilene Texas TX

Hi William! Renting appears to be a more popular option these days. I think it’s perfect for when you only need to stay temporarily in an area for work. Besides, it saves you from having to shell out a lot of money to buy a car then quite soon after having to find a buyer for the car you can’t bring to your next destination. I agree; it sure is a relief not having to worry about maintenance, especially since you expect to drive across the state so often.

You are also right to worry about auto coverage even while you opt to use a rented car for the duration of your contract in Abilene Texas TX. You may want to consider rental reimbursement coverage – it allows you receive a specified amount to cover the costs of another rental car in case the one you were using breaks down. Different insurance companies offer different premiums and packages so you may want to compare your options. If you enter your zip code in the space on this page, you can get free quotes from insurers in Abilene Texas TX.
You may also want to look into towing and labor coverage since you expect to be driving long distances. In case your car breaks down in the middle of nowhere, it should help to ease your mind if you know you’re covered.

Tags: auto insurance, rental car insurance

Reader’s Question:

I’m in the lookout for another auto insurance provider here in Baytown, Texas because I need a cheaper one. How do I compare auto insurance policies and quotes from different companies?

Nikita

Baytown, TX

Auto insurance companies offer a lot of plans to cover you insurance needs. It would be necessary that you choose an insurance policy that would fit your unique needs closely with your budget. You could compare various auto insurance plans according to your age, driving record, where you live and the kind of car you drive. The first thing that you could do to find cheaper auto insurance in Baytown, Texas is to search the web for auto insurance providers. There are a lot of websites that give details about different insurance companies. You may also speak with an insurance agent and obtain quotes for different auto insurance policies.

You may compare the premium rates for similar coverage that are offered by different insurance providers. Remember that the most affordable insurance is not automatically the best one. But the less it would cost you to obtain an insurance policy, the better you feel owning and driving a vehicle. You may also want to check for exclusions in every auto insurance policy. Once you get several quotes, you could compare each for exclusions to find out which is the best quote.

Tags: auto insurance policy, auto insurance premium, auto insurance quotes

Reader’s Question:

Can I get a discount for being a woman if I get a car insurance here in Irving, Texas? I was told that women are safer drivers than men, is this true?

Marianne

Irving, TX

Certain studies have discovered that women are safer driver than men because they tend to generally wear their seatbelts and men are inclined to driving longer distances. This is the reason why women have lesser car insurance rates than men. But there are also some studies that show that females could be close in catching up with the males when it comes to getting involved on car crashes and having traffic tickets. If this continues, there will come a time that both genders would pay the exact same rates for car insurance.

If you apply for a car insurance in Irving, Texas and you’d like to get a discount, you have to speak with an insurance agent first to ask which discounts you could be eligible for. A lot of people don’t realize that they could get a break on the premium rates by having a clean driving history, having a good educational background or being part of an organization that the car insurance company endorses. If you really want to get the best rate, be sure that the insurance agent knows all the details about your automobile. Your driving and credit history, the make and model of your car are the basic information you would need.

Tags: car, car insurance, female car insurance

Reader’s Question:

If I damage my car because of an accident here in East Jefferson, Texas and I get charged with DWI, will my insurance cover me if I have both collision and comprehensive insurance?

Kael

East Jefferson, TX

Generally, if your car insurance was in force at the time of the crash, even with being charged with DWI in East Jefferson, Texas, you car insurance policy will cover you for the damage. But it your car insurance policy has specific exclusions in it with regard to an occurrence such as this, the car insurance provider could be able to deny your claims.

To check out for sure if you will be covered for damaging your car when you were driving while intoxicated, speak with your insurance agent and go through the terms of your car insurance policy. If you’re covered, then it would probably be your collision coverage that a claim would be placed for the damage your car had and this would also mean a deductible will apply. If your insurance premiums become higher or if your car insurance provider cancels or non-renew your policy because of a DWI, start looking for new car insurance coverage here by getting a rate quote.

Tags: car insurance, car insurance policy, car insurance quotes, comprehensive insurance coverage, DWI

Reader’s Question:

It’s insane my brother got convicted for DWI here in Tyler, Texas. Is it true that his auto insurance rates would increase after his DWI?

Cara

Tyler, TX

Your brother’s DWI conviction in Tyler, Texas could cause his auto insurance rates to increase dramatically. His premiums could double, could even triple in some cases, if his auto insurance carrier finds out about it. A DWI conviction makes him a risk to auto insurance companies. If he previously had a “preferred driver” policy, which has much lower insurance premiums than high-risk drivers, his auto insurance rates could triple.

His premium rates would increase because his auto insurance company would consider him a financial risk. If they underwrite an auto insurance policy for him, they could lose money if he has a car accident that causes substantial damage. Once his auto insurance carrier knows about his DWI conviction, his auto insurance policy could also be cancelled. He would then have to find another provider to give him coverage for his auto insurance. He could have a hard time but he can always try to get an online rate quote from this website.

Tags: auto insurance, DWI, DWI conviction

Reader’s Question:

I want to help my cousin get out of his DWI here in Corpus Christi, Texas the soonest time possible. What do you think is the best advice I could give him now?

Frida

Corpus Christi, TX

To help your cousin prepare for his potential defense on his DWI case in Corpus Christi, Texas, you can advise him to make detailed list of all the events that took place prior to the arrest and also after being released from jail. He can also talk with friends, other family members or colleagues who could refer him or help him retain an experienced DWI defense lawyer to represent him. Advise him to give the lawyer as as much positive and supportive information to aid in his defense. The DWI lawyer would be able to find the most pertinent information to highlight good behavior and positive character, which would also help in getting him a lighter sentence.

Explain to him that he has to deal with the consequences and know they can be serious and plentiful. In addition to money and time, a DWI arrest would put him at risk of losing his job. It could take some time to sort out all of the details such as paying his fines, getting his license reinstated and having an increased rate on his auto insurance. Tell him to take one step at a time and accept trusted advice or assistance from family and friends to get him through it.

Tags: auto insurance, DWI, DWI arrest, DWI lawyer

Reader’s Question:

What are the things that I have to do to get car insurance after being charged with DWI here in Beaumont, Texas?

Darell

Beaumont, TX

It will not be a good idea to often switch companies and policies to get the best car insurance policy if you are charged with DWI in Beaumont, Texas. The first thing that you would have to do to get car insurance is to check your driving record with the Texas Department of Public Safety (DPS). That would give you a sense of exactly what your driving record looks like. You also have to make sure that you are paying fines for every pending violation. You can contact the DPS and clear your history of violating laws.

You can also try to collect information from the DPS and other auto experts on how to improve driving skills and get out of the high-risk category because of your DWI charge. You may also want to switch to a low-value vehicle to lower your premium rates. Another good thing to lower your premium is to take a safety course in driving. Also, the free quote option for car insurance on this website offers the most coverage for drivers who have DWI at comparatively lower premium so get yourself a quote now.

Tags: car insurance, car insurance quotes, DWI