If you’re a new driver in Huntington, TX, you’re still learning about various state requirements linked to vehicle ownership. Here’s a brief overview of the state’s legal expectations for new drivers.
Minimum Texas Auto Insurance Requirements
Texas drivers have one legal requirement to fulfill: financial responsibility. This is met with a policy that includes liability coverage. In case of an accident, this covers:
- The medical expenses of the driver
- The medical expenses of the driver operating the other vehicle.
- Car repairs or replacement.
- Car rental for the other vehicle’s driver.
- Funeral expenses.
- Lost wages and other compensation.
Each policy varies in the dollar amount it covers.
Minimum Requirements For new Drivers
There are no special requirements for new drivers in the state of Texas aside from financial responsibility. Since most new drivers are teens and young adults, it’s common that insurance providers like Integra Insurance Services allow parents to add new drivers to their policies. students living away from home during the school year can also remain on their parents’ policy.
When young drivers are added to their family’s auto insurance policy:
- The premium will likely increase.
- The deductible limit will also be readjusted.
- The young driver will get a separate premium rate if they own a car in their name.
- If the new driver does not own a car, the premium rate on the most expensive family car will increase.
It’s generally true that auto insurance for new drivers is much more costly than coverage for seasoned drivers. If parents choose to save money by not naming their young adult drivers on their policy, they are likely to pay a penalty equal to the rate of a new driver’s premium. Still, adding a new driver to an existing policy is usually cheaper than taking out individual coverage.
Contact your friendly Integra Insurance Services agent to buy your first auto insurance policy as a new driver. You can also ask about adding a young driver to an existing policy.