Reader question:

I’ve been looking and looking, but since I got my last car insurance policy cancelled, nobody wants to give me a car insurance policy in Texas. What do I do?

Greg

Excellent question.

I understand your dilemma. There must have been a reason for the cancellation for your car insurance policy, and that is probably one of the big reasons why car insurance companies around the area won’t admit you. Whether they were showing you the door for a conviction for driving while intoxicated, or if they just didn’t want you because you had missed a car insurance premium payment, recent inconsistencies in the records of your previous car insurance company can have an affect on your insurability as well as your rates.

The first thing you want to do is step up your game and continue to shop around for good car insurance deals. It is still possible that you just haven’t looked hard enough, so if you give it a try you might do better. Get some free online car insurance quotes and see if anybody has a good deal

If all else fails, you might want to consider getting involved in the Texas car insurance risk pool. Going by the name of the Texas Auto Insurance Plan Association, this pool helps people who are generally refused by car insurance companies a chance to get covered as required by Texas state insurance law. The standard premium for TAIPA costs more than that for a company outside of it, but it is better than not getting insured at all.

Unfortunately, you might not be able to get TAIPA if you are in the process of buying a vehicle, because it does not offer coverages that are often required by financers, such as comprehensive and collision. Instead, it can give you the state liability requirements, and you also have options of uninsured motorist coverage and PIP.

Cheers,

Fashun Guadarrama.