Auto Insurance

Looking for a new car insurance policy? Have you filed too many claims against your current policy? In need of increased coverage? Want a lower premium? 

No matter your situation, the insurance brokers at Allwin Insurance Agency can help you with your car insurance needs. We are located in Houston, Texas and serve clients throughout the state. Our brokers have experience working with many different insurance companies and work to find the best rates for the coverage needed by our clients.

Does Texas Require Auto Insurance?

Yes, it is required by law in Texas for drivers to be able to show proof that they can pay for any accidents they cause while driving. This is often done by purchasing car insurance from any of the dozens of insurance providers in Texas. There’s no requirement as to which company you should use, which is why you should work with an insurance broker to find the best rates for the coverage you want.

If there is money owed on the vehicle you drive, the lender will require that you have collision and comprehensive insurance coverage. In fact, it will be impossible to be approved for a loan if you do not have these two types of coverage or don’t provide proof of them.

Types of Car Insurance Coverage

There are many different car insurance coverage options for drivers in Texas, including the following:

• Collision

• Liability

• Medical payments

• Comprehensive

• Towing and labor

• Rental reimbursement

• Uninsured/underinsured motorist coverage

• Personal injury protection (PIP)

What is Not Covered by a Car Insurance Policy?

The majority of car insurance policies in Texas do not cover the following:

• Any damage that you caused to your vehicle intentionally

• Accidents that occur while driving in Mexico, racing, or driving for business

• Equipment that is not permanently installed in the vehicle

• Accidents that occur when driving a car regularly that isn’t owned by you (commercial vehicle)

• Accidents that occur while driving to deliver food, or driving for a rideshare company, or delivering other items for a fee

How Does an Insurance Company Decide The Amount of a Premium?

When applying for a car insurance policy, the insurance company will take into account a few different considerations when determining the amount of your premium. The considerations taken into account include the following:

• Where the car is located most of the time (a city versus the suburbs)

• Your claims history and driving record

• Your credit score

• How the car is used (to do business or only to drive to and from work)

• The type of car you have (rates are higher for cars that cost more to repair and for luxury, sports, and high-performance vehicles)

What Are Insurance Companies Not Allowed to do?

Texas car insurance companies are not allowed to do the following:

• Charge you a higher premium or deny you coverage because of your race, age, color, religion, or national origin

• Charge you a higher premium or deny you coverage because of your marital status, gender, disability, or geographic location unless the company can prove you provide a greater risk to insure than others

• Charge you a higher premium or deny you coverage because of your credit score

• Charge you a higher premium or deny you coverage as others in the same rate or risk class unless the company can prove you pose a greater risk to insure

Ready to Update Your Car Insurance Policy? Call Allwin Insurance Agency

Are you ready to upgrade your car insurance policy? Do you need expanded auto coverage? Do you want to add an additional driver to your auto policy? No matter your situation, the experienced insurance brokers at Allwin Insurance Agency are here to help you with all of your car insurance needs. Call our office at (713) 952-5031, or complete a contact form on our website to schedule an appointment with an insurance broker today.