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Frequently Asked Questions

Who can help me if I have been discriminated?

Insurance companies can not discriminate against based your race, religion, age, gender, marital status, geographic location, or disability. The refusal, limitation, or higher rate can be based on sound underwriting or actuarial principles. The company must show valid evidence that you present a greater risk for a loss others it is willing to insure.

If you believe an insurance company has treated you unfairly, most companies have a toll-free telephone number listed on your policy to provide customer assistance. If you are unable to resolve the issue with the company, you may file a complaint with TDI’s Consumer Protection Division. For answers to general insurance questions or for information on filing an insurance-related complaint, call the Consumer Help Line 1-800-252-3439 in Austin 463-6515 or TDI’s website www.tdi.state.tx.us

How do I find cheap auto insurance?

Insurers determine premiums by ratings. You are rated according to the amount of claims risk you present, then grouped with others like you with similar risk rates. Factors like age and gender, where you live, your driving record, your marital status, any prior insurance coverage, how far you drive annually and your vehicle’s make and model all affect your ratings.

Insurers reward those considered low risk with discounts that can translate into amazing savings. Some of those available include multiple vehicles, educated driver, good student, safe vehicle, low-mileage and multiple policies.

Take an inventory to see if you qualify some of these discounts:

  • defensive driving and driver education courses for young drivers
  • students with good grades
  • a parent or family whose young driver is away at school without a car
  • airbags and automatic seat belts
  • automatic daytime running lights
  • anti-lock brakes
  • two or more cars on a policy
  • driver age and annual mileage driven
  • policy renewal with good claims and driving records.

Once you understand your options, contact several agents or auto insurance companies in order to receive competitive quotes.