Texas Auto Insurance

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    Frequently Asked Questions about Texas Auto Insurance

    At Ontiveros Insurance, we’re more than an insurance provider – we’re your partner in safeguarding your journey on Texas roads.

    We understand that you may have questions, and we’re here to provide informative answers to guide you through the process.

    Explore our comprehensive coverage options and make informed decisions for a secure future. Connect with us today for personalized solutions tailored to your needs.

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    Get Your Texas Auto Insurance Quote Today – Contact Ontiveros Insurance!

    What is the minimum auto insurance coverage required in Texas?

    Texas requires drivers to have at least liability insurance. The minimum limits are 30/60/25, which means $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage.

    Can I drive without insurance in Texas?

    No, it is illegal to drive without insurance in Texas. You must have at least the minimum required coverage, and failure to do so can result in fines, license suspension, and other penalties.

    What does liability insurance cover?

    Liability insurance covers injuries and property damage that you cause to others in an accident. It does not cover your own injuries or damage to your own vehicle.

    Do I need additional coverage besides liability insurance?

    While liability insurance is the minimum requirement, many drivers opt for additional coverage such as collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP) for more comprehensive protection.

    How are auto insurance rates determined in Texas?

    Insurance rates are influenced by various factors, including your driving record, age, gender, the type of vehicle you drive, your credit history, and the coverage options you choose. Your location in Texas also plays a role.

    What is uninsured/underinsured motorist coverage?

    This coverage protects you if you’re involved in an accident with a driver who has insufficient or no insurance. It can help cover your medical expenses and property damage in such situations.

    Is my credit score a factor in determining my auto insurance rates?

    Yes, in Texas, as in many other states, insurance companies may use your credit score as one of the factors in determining your auto insurance rates.

    Can my auto insurance be canceled by the insurance company?

    Yes, insurance companies have the right to cancel your policy under certain circumstances. Common reasons include non-payment of premiums, providing false information, or a high number of at-fault accidents.

    How can I lower my auto insurance premiums in Texas?

    You can potentially lower your premiums by maintaining a good driving record, bundling insurance policies, taking defensive driving courses, and comparing quotes from different insurance providers.

    What should I do after an accident in Texas?

    After an accident, it’s important to exchange information with the other driver, report the accident to the police, and notify your insurance company promptly. Texas is a “fault” state, meaning the at-fault driver is responsible for the damages.

    Why Choose Ontiveros Insurance for Your Texas Auto Insurance?

    With over 20 years of experience in the market, we have been a reliable support for our clients in the field of Texas auto insurance. We stand out for our specialization in more than 34 insurance services, providing a personalized approach backed by committed agents at every stage of the process. At Ontiveros Insurance, our track record speaks for itself, and we are here to ensure that your auto insurance needs are addressed with professionalism and dedication.

      Contestan todas tus preguntas muy buen servicio al cliente
      Mary Jo Ortiz
      Mary Jo Ortiz
      Hello I'm from Pharr and ever since i started with Ontiveros I was helped by Joselyn and she has been the one to help me every single time. This girl is amazing and will go out of her way to help me. Highly recommend!!! 10 out of 10. Can't say it enough. She is amazing. Every business needs people like Jocelyn!!!!
      Esmeralda Sanchez
      Esmeralda Sanchez
      Great service, good prices.
      Doberman Street
      Doberman Street
      Great costumer service, Paola is awesome explains every little detail and answer every question I had!
      Lizbeth Pulido
      Lizbeth Pulido