A: It will depend, in the end, on what you do with your car as to whether or not you should get a Houston commercial auto insurance policy. Many people who are self employed use their vehicle for business reasons, but they also use it to go to the movies or go on vacation, among other things.

If you use your car for both business reasons and for personal reasons, then a commercial auto insurance policy is not really necessary. While you may prefer to have a commercial policy for the extra protection, since you have dual purposes for your car it may only bring you a price increase.

It’s most recommendable for you to get a  commercial auto insurance policy if you do a lot of driving for your business. For example, if you transport clients, are a taxi driver, a delivery person, and so on. It would also be good for you to get a commercial policy if you go on a lot of business trips in your car. Sometimes, if you are using your car for business and get into an accident, your car insurance company won’t cover the damages because that purpose wasn’t disclosed.

Is there any way I can get car insurance even if I don’t have a driver’s license here in Iowa? 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 one. Since you have a learner’s permit, it is implicit that you are already driving around Texas and you may already have a car. 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.

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.