Reader’s Question:

I have a teenage son (19 years old) who is currently under my auto insurance. I insure 2 cars, mine and his. I transferred title of one vehicle to him and he has moved out of the house and is no longer living here in Victoria, Texas. My insurance company told me that it is in the law that before I take my son off my insurance policy he must show proof of new auto insurance. I was told from another company that that is not true. I just need proof of his new address or proof the vehicle title is in his name. I do not want responsibility for him driving now that he is move out and the vehicle is in his name already.

Allan

Victoria, TX

The rules and guidelines of how to take a driver off of your insurance policy is normally is up to each individual insurance carrier. The reason an insurance company is so concerned about you showing proof that your son now has his own insurance policy is because they may still be liable for damages if the motorist is in fact still part of your household and is driving the vehicle without having another insurance policy on it.

State laws vary so the best way to check for sure if your insurance provider needs by law proof of your son’s new insurance coverages, or if instead it is their own insurer’s guidelines requiring this in order to take your son off of the insurance policy, is to contact your state’s insurance regulator in Victoria Texas.

Tags: auto insurance, teen insurance, Young driver car insurance

Reader’s Question:

What will be the penalty for driving with an expired car insurance card in Texas?

Earl

Carrollton, Texas (TX)

If you were ticketed for presenting an expired card insurance card to police officer but actually did have an auto insurance on your car at the time you should be able to clear up the issue and go to court by providing them with proof of insurance for the date you were cited.

If you had an expired car insurance card due to a lapse in your insurance coverage or actually having expired auto insurance then you will face penalties for driving without auto insurance. The state of Texas provides harsh penalties for violating the state’s financial responsibility laws. A 1st conviction will result in a fine between $175 to $350. Subsequent convictions could result in fines of $350 to $1,000, and impoundment of your car and suspension of your driver’s license.

If you want to get a quote for Carrollton auto insurance, or for any other city in TX, you can start here with a cheap auto insurance quote… and its FREE.

Tags: auto insurance, automobile, driving without insurance

Reader’s Question:

I have some endorsements on my insurance policy in Dallas Texas and I would like to know where I can check by number what these are for?

Steve

Dallas, TX

If you have any questions with regards endorsements or any other parts of your auto insurance policy you can request information regarding this from your insurance provider in Dallas Texas. Your insurance company should be able to go over the various parts of your insurance policy with you and answer your questions about your specific endorsements and terms.

If your insurance broker is unable to provide you all the information you need, you can contact your state’s insurance regulatory body in Texas. This state agency is the one that can provide you consumer help and refer you to any insurance laws that might affect your insurance policy.

Tags: auto insurance

Reader’s Question:

Getting auto insurance may cost too much money so until now, I haven’t gotten my car insured. What happens if I get caught driving without an insurance in Northwest Harris, Texas?

Mac

Northwest Harris, TX

Driving without car insurance is against the law in the state of Texas. A police officer would require you to show proof that you have car insurance during any traffic stop in Northwest Harris, Texas. Your car insurance company would provide you with an “insurance card” that would qualify as proof of insurance.

You would probably get a ticket if you don’t show proof of insurance. You may pay fines of $175 to $350 for a first offense. If you are caught driving again without proof of car insurance, you may pay fines up to $1,000, your vehicle could be impounded for 180 days and you could have your driver’s license suspended. If you cause an accident, you are going to be financially liable for any injuries or property damage. In case of a serious accident, you could pay a lot of money from your own pocket. You could be sued if you couldn’t pay the amount you owe and the court could order that the money be deducted from your current and future earnings. So even if you think that you’re gonna be paying too much money for car insurance, it would still cost you more money to pay for an accident that you may cause. Don’t hesitate to get an online rate quote from car insurance company in Northwest Harris, Texas available from this website.

Tags: auto insurance, auto insurance online, car insurance company, driving without insurance

Reader’s Question:

I gotta be honest with you that I would have a hard time paying my car insurance but of course, I have to find a way not to miss any payment. Question is, why does the law have to require me to have car insurance in Mesquite, Texas and what would be the minimum liability insurance?

Blake

Mesquite, TX

If you have a car in Mesquite, Texas, the Texas law would require you to have car insurance to pay for an accident that you may cause. Most drivers meet this requirement by buying automobile “liability” insurance. Liability insurance would pay to treat people injured in an accident that you cause and it would also pay to repair or replace the other driver’s damaged property.

The basic minimum liability car insurance coverage is called “25/50/25 coverage.” This car insurance policy would pay up to $25,000 in medical expenses for each person injured in an accident, up to a combined total of $50,000 for everyone who was hurt in an accident and $25,000 in coverage to pay to repair or replace the other driver’s car. You see that vehicle repair or replacement costs and medical care can be so expensive. So the minimum liability coverage may not be enough to cover your financial obligations if you cause a serious accident. You may consider raising your coverage limits but this would increase your premium. But you can still be able to find the lowest car insurance policy in Mesquite, Texas so go ahead and get an online rate quote for your car insurance from this website.

Tags: auto insurance online, auto insurance policy, car insurance

Reader’s Question:

This is the first time that I own a car here in Plano, Texas and I was told that I need to have auto insurance. I would also need to renew my license and I wanna know if I need to be insured to renew my license. Also, why do I have to have auto insurance when I never had or been involved in a car accident?

Frieda

Plano, TX

You can be considered lucky enough to never have or been involved in a car accident. But let me tell you that auto insurance is the best protection you can have in the event of an automobile accident. You’ll never know what will happen in the future so it’s great to be protected to have auto insurance that will give you coverage in case of an accident. It is also a legal issue because we are all legally required to have some form of auto insurance to legally drive in Texas and failure to do so would carry some fairly strict punishments.

Regarding getting your driver’s license, all applicants for Texas driver’s license must show proof of insurance to get a driver’s license. Regardless of whether you are getting a Texas driver’s license after moving from another state, getting a driver’s license for the first time or renewing your driver’s license, you definitely have to show a proof of insurance. So start your search now for great car insurance and navigate this page to get an online rate quote from auto insurance company in Plano, Texas.

Tags: auto insurance, auto insurance online, automobile, car insurance company

Reader’s Question:

I know that it’s not good for my car not be insured and I’m now finding great car insurance company in Southeast Montgomery, Texas that would give me coverage. But I still need to know, what are the penalties for driving and not having car insurance?

Kyla

Southeast Montgomery, TX

You are right in saying that it is not good to be driving without car insurance because all vehicles in Texas must be insured. If you will be caught driving without car insurance in Texas, the penalties are substantial which starts with a fine between $175 and $350 for a first offense. And if you don’t learn your lesson the first time, the fines go up for the second and third offenses, and that third offense could result in the suspension of your driver’s license and the impoundment of your vehicle.

It could also kick in a nasty little citation labelled as “failure to maintain financial responsibility.” This kind of offense is in the category of “surchargeable violations.” In this case, you may end up paying more because you have to pay the fine for the ticket and then pay an additional penalty each year for up to three years. This penalty would apply even if you maintain your car insurance perfectly from that point on. So let me help you in finding great car insurance in Southeast Montgomery, Texas. I suggest you get an online rate quote available at the top of this website.

Tags: auto insurance online, car insurance, driving without insurance

Reader’s Question:

I would soon register my vehicle here in Lubbock, Texas and I know that I have to get it insured first. What are the minimum amounts of coverage that I would have to purchase for my car insurance?

Earnest

Lubbock, TX

It’s a good thing you know that you have to get your car insured first before you can register it in Lubbock, Texas. Not only car insurance would pay for damages to vehicles in an accident but more importantly, it would also cover medical bills that result from any injuries. The motor vehicle insurance requirements in the state of Texas are relatively simple and straightforward. You should maintain car insurance policy for each vehicle you own and the following minimum amounts of coverage should be provided in your car insurance policy:

-$25,000 for bodily injury or death to one person per accident
-$50,000 for bodily injury or death to two or more persons per accident
-$25,000 for damage or destruction to other property in an accident

This car insurance policy is sometimes being referred to as “25/50/25″ insurance and everyone would know about the extra zeros. Remember that these minimum amounts could not be sufficient to fully protect you from direct financial liability and loss if you are found to be at fault in an accident because these are just the minimum requirements in Texas. Find out how much you can save on your car insurance if you get an online rate quote from car insurance company in Lubbock, Texas from this website.

Tags: auto insurance policy, car insurance, driving without insurance

Reader’s Question:

I’m a college student here in Northeast Tarrant, Texas and I have been driving for almost a year without car insurance because I have to cut back on some things. I came to the realization that I need to get one after a friend of mine got into a car accident without insurance. What are the consequences of driving and not having car insurance?

Jude

Northeast Tarrant, TX

That seems to be not a very good idea, Jude because not only that what you are doing is illegal but it is also dangerous to drive without car insurance. It may seem financially crippling to many college students because they would have to pay some other bills like credit card and student loan that’s why many of them are forced to cut back on other necessary expenses, such as car insurance. Always remember that car insurance is the one bill that you legally cannot drive without. You may think that you can’t afford it but there are many ways that you can find the lowest possible rate ever for your car insurance.

You have to consider now the expense of getting caught without car insurance and the cost of getting into an automobile accident. Remember that if you get into an accident, you have to pay the medical bills of someone who gets injured in that car accident if you are at fault. You can also pay some fines if you’re caught driving without insurance in Northeast Tarrant, Texas. Keeping these things in mind, suddenly paying for car insurance would not seem so bad. You can start your search for great car insurance by clicking your mouse and getting an online rate quote available on this website.

Tags: car insurance, young driver car insurance

Reader’s Question:

I’m getting ready to purchase a new car here in Richardson, Texas and I need to find out some things before I get a car insurance. My main question is how would I budget for my car insurance?

Franco

Richardson, TX

As you look for car insurance in Richardson, Texas, you need to make sure that you check the car insurance company if they have some kind of payment plans. A payment plan of 6-month or 12-month would help you manage your car insurance payments better. Furthermore, some car insurance companies offer a variety of discounts, including alumni discounts. So you need to make sure that you ask if your college or university is eligible for a discount, because every bit helps when you are first starting out on your own.

One disadvantage though that you need to know about having a payment plan is that most insurance companies would give you the ability to pay over time, but it usually comes at a price. Your car insurance premium could increase a few dollars each time you pay by installment. Car insurance companies can accept payments monthly, quarterly, or every six months, whatever is most convenient for you but the more you break down your payments, the more the cost adds up. But don’t worry, a great car insurance company could be able to help you so go on and get an online rate quote for your car insurance available on this website.

Tags: auto insurance premium, car insurance, car insurance company, car insurance discounts