Can I Get Insured if I Have Prior Claims or No Insurance History? 

If you’re a driver with a history of prior claims or no previous insurance, you may be wondering if you can still get the auto coverage you need. Indeed, there are still ways for you to satisfy legal requirements and retain appropriate financial protection for yourself and your vehicle, but the process may be more complicated. By working with a qualified professional, such as those at Lone Star Insurance Agency, you can get the guidance you need.

Understanding Your Options

Texas law requires all drivers to show proof of financial responsibility to operate a vehicle on public roads legally. This is usually achieved through carrying minimum auto insurance. While having prior claims or no insurance history can make finding coverage more challenging, it does not mean you’re out of options. Many insurers offer policies specifically designed for high-risk drivers or those with limited insurance backgrounds.

How Prior Claims or No Insurance History Affects You

Consider how having claims on your record or lacking an insurance history may impact the process of getting sufficient coverage:

• Prior claims—If you’ve filed claims in the past, insurers may view you as a higher risk. This can affect your rates, but it doesn’t always prevent you from getting insured.
• No insurance history—If you’re a new driver or haven’t had insurance before, some companies may consider you riskier to insure. However, there are likely still plenty of coverage options available.

How to Find the Right Coverage

Although your background may affect the ease and simplicity with which you’re able to acquire and maintain suitable, you can still actively take steps to make this process as streamlined as possible. Consider the following strategies:

• Work with an experienced insurance agent with local knowledge.
• Be honest about your claims history and driving record.
• Consider higher deductibles to help manage premium costs.
• Ask about discounts for safe driving, defensive driving courses or bundling policies.

Get Started with Lone Star Insurance Agency

Don’t let prior claims or a lack of insurance history keep you off the road. Our team is committed to helping you find the coverage you need, regardless of your background. Contact us today to discuss your options and get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.