Welcome Texas consumers. We understand the all of your concerns that you have
been trying to get auto insurance when you have had a few tickets or accidents
or even some credit problems that may put you and your family in need of a Texas
State Mandated Insurance Pool Plan to secure insurance coverage
This website will help you locate the appropriate insurance that you need regardless of what insurance record you have had. Texas Certified Producer Agents are available to help you.
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TXAIP-ARAIP-PAIP-CAIP-AIP Assigned Risk or High Risk auto pool and residual insurance markets consists of licensed drivers unable to purchase auto insurance through the Voluntary Market due to a variety of factors, such as their driving history, accident history or status as a first-time driver. The Texas high risk pool Auto Insurance often charges higher rates in your state, and is a last resort for licensed drivers that cannot obtain car insurance coverage elsewhere in the Texas preferred or voluntary auto insurance marketplace. To combat soaring insurance prices experts recommend educating yourself and then obtain Texas Car Insurance quotes from at least two sources call if you need help (469) 546-0021.
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Why would my Texas auto insurer cancel my policy?
Technically, in most states your insurer may cancel your policy only if:
you fail to pay your premium;
you lose your driver's license;
you are guilty of material misrepresentation during the application process
i.e., you fail to notify your insurer of a recorded violation, such as a drunken
driving, or possession of drugs or any illegal activity offense; or
you fail to report a substantial change of risk, such as buying a new high
performance sports car to replace an old high mileage family sedan.
However, your Texas insurer can choose not to renew your policy for a variety of
reasons.
Do you have a bad driving record? Have you received a lot of speeding tickets?
Have you ever been caught driving drunk? Not only are these scenarios considered
unsafe and illegal, they are justifiable cause for your insurer to label you a
bad risk and refuse to renew your policy. Some underwriters may feel compelled
to cancel policies after only one accident.
Where do you live? Has the neighborhood changed in the last few years? Have the
accident or crime rates risen noticeably? As regions are reassessed
periodically, their status could change and you could suddenly find yourself
living in a higher risk area, where your insurer's rates may not be adequate to
cover losses.
What do I do if my Texas insurance Company cancels or refuses to renew
my policy?
Even "good" drivers can find themselves in the position of being dropped by
their current carrier. Reasons range from a couple of moving violations, or
multiple accidents, or other serious violations that make you a high risk to
situations outside your control, such as when insurers in your state are
suffering severe business losses. Overall rises in claims or losses can cause
insurers to become highly selective in determining whom they can afford to offer
to insure.
That is why it is important to note that if you are licensed to drive, by law,
you are eligible for insurance. However, your options for new coverage may be
limited. Each state has created and regulates a market of last resort for those
who cannot otherwise obtain coverage. These groups have various names, depending
on the state you live in, such as assigned risk auto insurance plans or the
residual market, or the high risk pool. Your agent or insurance producer will
know more about the particulars in your state.
Regardless of the reason you were dropped or canceled by your insurer, you need
to act immediately to get another policy. Under no circumstance should you drive
your vehicle without knowing one hundred percent that you have current
insurance. Call your local agent to help you find new coverage. If you do find
yourself in the assigned risk residual market pool, the price may be higher but
it may be your only alternative in maintaining your freedom to drive.
How do I keep my Texas insurance company from canceling my policy?
The most obvious way to maintain your low risk status is to keep a clean Texas
DMV driving record. If you've been in an accident, consider taking a defensive
driving course. Even those of us who have been driving for years rarely know the
simple tricks to preventing accidents through defensive driving.
Also, look into purchasing special safety and security features for your car,
such as anti-lock brakes and an alarm system, or try OnStar. Your TXAIP
insurance agent can give you further tips on how to convince your insurer you're
a safe driver.
What steps can I take to reduce my TX Car Insurance rates?
Texas Insurers often discount their rates in order to encourage good driving
practices and the use of safety and security precautions. Depending on the
insurance company, you can often lower your rates from 5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount, and
sometimes it's simply worth some peace of mind. For example, the purchase of
anti-lock brakes merits a discount from nearly every insurer, but the discount
probably will not pay for the brakes which cost several hundred dollars during
the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a
life-saving feature and deserves serious consideration when safety is a top
priority. Insurers generally offer discounts for:
Safety Features Anti-lock brakes, air bags and passive restraint systems i.e.,
automatic seat belts.
Defensive Driving Clean violation record, driver's education courses for
teenagers and defensive driving or accident prevention courses for adults
insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive disabling
devices.
Changing The Driving Habits Try commuting by public transit, using a company
vehicle for work-related travel and car-pooling.
Formal Agreements Not to Drink and Drive The availability of a discount for
signing such an agreement varies among insurers and states, however is a
powerful idea that works.
Buying Home Owners and Auto Policies from the Same Company If you own a home and
an auto and you are insured by two different companies, check into the cost of
carrying both policies by one insurer. Your agent can give you guidance as to
which insurers offer discounts. This will always offer your the best buy, so put
it in your corner when shopping for rates
You can also lower your insurance rates by requesting higher deductibles, which
is the amount of money you pay out of pocket before you make a claim. Increasing
your deductibles on collision and comprehensive coverage from $100 to $250, or
even $500, will bring your rates down. Moreover, you may not need collision and
comprehensive coverage if you drive an older car. Ask your agent which discounts
are available to you.
An adult's driving experience can also affect your rates significantly. Don't
assume that every adult you know has been driving since age 16 or 17 or is a
competent driver with a clean driving or insurance record. Again, taking a
defensive driving course is a good way for adults to prove they are also
responsible drivers, thus lowering their risk and their insurance premium rates.