Young Driver Auto Insurance College Station, Texas TX
Reader’s Question:
I am 19 years old, and am just now obtaining my Texas driver’s license. Do I have to get auto insurance to drive my mother’s vehicle just for the driving test, or it is okay as long as the vehicle itself is insured?
Daniel
College Station, TX
You will need to verify with the Texas Drivers License office or the Department of Public Safety to find out for sure what proof of insurance you need for the vehicle you will be driving for the driving test. If you are driving your mother’s vehicle then likely her insurance carrier would require you to be added to the car insurance policy in order for you to be covered while driving her vehicle for the driving test.
The Texas Department of Insurance states that , young drivers must comply with the state’s financial responsibility laws. Most young drivers, have the option of satisfying their legal requirements by being listed to their parents’ car insurance policy.
According to the Texas DOI site a parents’ car insurance policy covers children living at home or away at school, even when not added on the auto insurance policy. Even though children are automatically covered on their parents’ insurance policy, it’s essential that they be added on the policy as soon as they reach the driving age or get their driver’s license.
Insurance carriers are required to charge the accurate rate, based on the classifications of the motorists in your family. If the parents don’t have all of the drivers in their family added on their car insurance policy and the insurance carrier learns about them later the insurance carrier will bill the policyholder for the extra car insurance premium you should have paid.
Tags: auto insurance, teen insurance, Young driver car insurance
Teen Non Owners Insurance Longview Texas TX
Reader’s Question:
My insurance carrier in Longview, Texas will not cover my 19 year old daughter on my auto insurance policy, can she get non owners policy instead? If she drives one of my cars, is she covered?
Dan
Longview, TX
If your daughter is excluded on an insurance policy in Longview, TX then she should not drive any car in the household, even with a non-owners policy.
The Texas Department of Insurance states that you can sometimes take off a teen-aged driver or adult child living at home from your auto insurance policy by buying a non-owner policy. Usually this is a bad idea because a non-owner policy merely gives additional liability insurance when driving a non-owned car.
Additionally if your child then has an accident while driving your vehicle, neither your car insurance policy nor the non-owner policy will pay for your car’s damage. This is because the child is excluded from your insurance policy and his non-owners is only for giving additional (excess) liability, if the primary insurance will not pay on the accident then typically the non-owners would not pay either.
The best way to do this is to find an insurance company that will cover the 19 year old daughter on the car insurance policy with you.
Tags: auto insurance, teen insurance, Young driver car insurance
Auto Insurance Cost Pasadena, Texas TX
Reader’s Question:
Can I have 2 different insurance policies from two different insurance providers for two different vehicles under my name in Pasadena, Texas?
Hansen
Pasadena, TX
Yes, you may probably insure two different vehicles that are registered or titled under your name with two different car insurance companies, each one therefore insured by a different insurance carrier. However it would likely cost you more to insure you vehicles this way. Because of the liability implications some state laws and insurance company regulations will not permit this, .
Insurance providers usually grant a ‘multi-car’ discount to car insurance policies that have more than one car on them. This multi-car discount may only apply to the coverages that apply to both cars.
In some situations it may be necessary to insure your vehicles with two different insurance company in Pasadena, such as one is an older collectible vehicle that can only get specialized insurance and one vehicle is a newer daily commuter vehicle that you would obtain better car insurance rates with a normal insurance carrier.
Tags: auto insurance, car insurance cost
Student Auto Insurance Temple, Texas TX
Reader’s Question:
I am a college student insuring my own vehicle and I would like to know if I should I obtain car insurance in Temple, Texas where I I live in or the state I attend university in?
Richards
Temple, TX
Generally it depends upon your insurance carrier’s guidelines, Temple, Texas laws of where you are a resident of and the state where you are attending college that dictates where you should have your car insurance.
If you are a student attending school out of state normally you will need to speak with your car insurance agent regarding your car insurance policy to check if your insurance coverage will extend to you while you are out of state at college. Some insurance providers will permit you to keep your car insurance policy and coverages in place while you go to college, while other insurance companies will not, either due to the distance from your home in Temple, Texas, the different auto insurance requirements in each state or due to the fact your vehicle will be garaged and used out of state for an extending period of time.
Tags: auto insurance, Student car insurance
Vehicle Insurance Plano Texas TX
Reader’s Question:
My sister received a ticket for driving without having proof of insurance in Plano Texas. She is licensed in the Virginia though. If she shows that she did have insurance does she have to still pay the fine?
Ben
Plano, TX
It is likely that if she can show proof of insurance to the Texas court then the ticket will be dismissed. She will need to contact the court listed on her ticket to know specifics of how to go about doing this but below is an example from Plano, TX on how their traffic court says one can get a failure to provide proof of insurance ticket dismissed.
The Plano, Texas Municipal Court site states that if a motorist is issued a ticket for failure to provide financial responsibility (Insurance) and he or she was in fact at the time the citation was issued, covered by an insurance policy, the motorist (defendant in court) may present proof of financial responsibility to have the ticket dismissed. The proof of insurance must indicate the following six information:
- The name, address, and telephone number of the insurer;
- The insurance policy number;
- The name and address of each insured;
- The policy period (the effective and expiration date);
- The policy limits or a statement that coverage complies with the minimum amounts of liability insurance required; and
- The make and model of each covered vehicle.
Tags: auto insurance, driving without insurance
Young Driver Car Insurance Arlington Texas TX
Reader’s Question:
Can a sixteen year old have their own vehicle title and have their own auto insurance in Arlington, Texas?
Riley
Arlington, TX
The Texas Department of Transportation states there are no age restrictions for a person to be recorded as the owner of a car. But they also go on to say that insurance providers may impose age restrictions on individuals they insure and may charge higher insurance rate for certain age groups. Since proof of financial responsibility is a requirement to getting TX registration, an individual’s ability to get this auto insurance may limit his ability to register his car.
Generally one must be an adult to get a car insurance policy on their own, so over the age of eighteen. At age sixteen, you are still considered a minor therefore generally state laws and insurance providers guidelines will require you to have a parent or guardian sign on legal paperworks, such as an insurance policy, with you in Arlington Texas.
Tags: auto insurance, teen insurance, Young driver car insurance
Auto Insurance Online Beaumont Texas TX
Reader’s Question:
How can I check online and see if my license has been suspended in Beaumont, Texas?
James
Beaumont, TX
To get information on your driving history or the status of your drivers license in Beaumont with the Texas Department of Public Safety (DPS) you can order your Texas driving record online which should inform you if your license has been suspended.
According to the DPS eligible TX driver license holders may request their own individual Driver Record online. The printed record is postal mailed by Texas DPS within five business days. At login , Online eligibility is determined by the system.
If you have any questions regarding eligibility, you can contact the DPS at Customer Service on the phone at 512-424-2600 or through their website.
Tags: auto insurance online