Auto Insurance Surcharges Explained by OAI

Auto insurance companies look at a lot of different factors when determining how much to charge for a policy, but one aspect that every insurer will take into account is the driving history of the person applying for coverage. Generally, the more accidents and infractions on record, the higher the cost. 

Motorists will have a tough time getting the cheapest liability insurance in Texas, for instance, if they have surchargeable incidents on their records. 

According to the state’s Department of Insurance, drivers in Texas can see surcharges as high as 60 percent for incidents like accidents, moving violations, driving under the influence or driving without a license or with a suspended license. 

Source: http://www.insurance.tx.gov/

For a California auto insurance comparison showing the effects of moving violations on costs, OnlineAutoInsurance.com generated 24 quotes based on a single driver profile — 12 with a clean driving record and 12 with one speeding ticket on record. The site found that having just one speeding ticket on record could cause a rate increase of nearly 25 percent. 

To learn more about this and other coverage-related issues, readers can go to http://www.onlineautoinsurance.com/texas/how-to-get-cheap-liability-auto-insurance-in-texas.htm where visitors will find informative resource pages and a quote-comparison generator that can be used to help consumers find the best rates for a policy.

To access the full FAQ, visitors can follow the “Questions” link located at the top of any page on the site.