SR22 Houston » Learners Permit Insurance http://www.sr22houston.com Houston auto Insurance - OWI - DUI - Drivers License Suspension Fri, 20 Apr 2012 20:24:59 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Getting Car Insurance With Learners Permit in Texas http://www.sr22houston.com/29/getting-car-insurance-with-learners-permit-in-texas/ http://www.sr22houston.com/29/getting-car-insurance-with-learners-permit-in-texas/#comments Sat, 29 Nov 2008 07:55:11 +0000 author http://www.sr22houston.com/getting-car-insurance-without-drivers-license-texas-tx.html Reader’s Question:

Is there any way I can get car insurance even if I don’t have a driver’s license here in Texas? I only have a learner’s permit.

Abner

Houston, TX

Abner, not only are you allowed to get a car insurance even if you only have a learner’s permit, you are obligated to have it if you are going to drive on public roads. Since you have a learner’s permit, it is implicit that you are already driving around Texas and I assume you may already have a car or are borrowing one. If you are already a member of the driving population, then it is your responsibility to have car insurance coverage that will take care of things if, heaven forbid, you figure in an accident. Car insurance will take care of you, your car and the people and things affected by the car accident. Without it you could be sued for damages and spend time in jail or face steep fines.

You will have to shop around for a car insurance company that will offer you coverage. It would be much harder to offer you a quotation as there is no car to base the premium rate from. Usually, the risk factor on which the car insurance premium rate is based is calculated with you and the car in mind. They’d check if you are a high risk driver, and then see if your car belongs to a high risk category also. You see, some types of cars belong to the high risk category. These are cars that are statistically prone to theft and also high powered cars driven by reckless teenagers….not to say you are one. icon smile Getting Car Insurance With Learners Permit in Texas

I repeat this a lot on this site, but it is important to getting the best rates possible.

Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

7. Keep a high deductible amount – see the video on this site for more on deductibles and what it can do for you

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