Posts tagged Hard Time

Reader’s Question

Why would Car insurance companies refuse to offer me insurance coverage? I live here in Houston, Texas and I’m surprised that I had a hard time getting car insurance!

Monty

Houston, TX

There are many reasons why car insurance companies may choose to deny you coverage which is a very difficult predicament seeing as the financial responsibility laws there in Houston, Texas (and most other states) would require you to have some level of car insurance coverage when on the road.

Here’s some of the reasons why an auto insurance provider might refuse you coverage:

1. Your city or location has very high crime-rate involving car theft and vehicle vandalism.
2. Your driving record is less than stellar and you may have even been caught or convicted Driving Under the Influence (DUI) or have other charges resulting from moving violations.
3. Your credit rating is really bad. As in really, really bad.
4. You’ve filed too many claims with your previous car insurance company.
5. You lack driving experience or you haven’t had any other kind of insurance in your life before.

So what if you’ve said yes to most of the items listed above? How can you get the car insurance you need? To good news is that there are still car insurance providers out there that are willing to cover you, for a higher price of course. You just have to look for them. You could also participate in the state assigned risk pool. This is a collection of insurance providers who have agreed to provide you coverage regardless of your record but expect higher premiums.