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April 12, 2024

Auto Insurance Solutions for Texas Drivers with Past Incidents

Finding affordable and comprehensive auto insurance after accidents or violations in Texas can be tough. But a checkered driving history doesn’t have to mean sky-high premiums! This blog post explores various insurance options to help Texas drivers move forward and secure the coverage they need.

Understanding the Impact of Past Incidents

Texas drivers with accidents or traffic violations may face higher insurance rates due to perceived increased risk. Incidents like at-fault accidents, speeding tickets, DUIs, or reckless driving can raise your rates and make finding affordable coverage difficult.

Solutions for Texas Drivers with Past Incidents

Here are several ways Texas drivers with past incidents can secure coverage:

  • High-Risk Auto Insurance: Some insurers specialize in covering high-risk drivers. While premiums might be higher than standard policies, high-risk insurance offers a path to coverage when other companies deny you.

  • Shop Around for Quotes: It’s crucial to compare quotes from multiple insurers. Different companies assess risk differently, so shopping around can help you find the most competitive rates.

  • Non-Standard Insurance Companies: These cater to drivers with less-than-perfect records. While premiums may be higher, they often have more lenient underwriting criteria, making it easier to obtain coverage.

  • Defensive Driving Courses: Completing an approved defensive driving course shows insurance companies you’re committed to improving your skills and reducing risk. Some insurers offer discounts for completing these courses, potentially lowering your premiums.

  • Higher Deductibles: Choosing a higher deductible can reduce your monthly premium. However, this means paying more out-of-pocket if you file a claim.

  • Maintain Continuous Coverage: Maintaining continuous coverage, even after past incidents, demonstrates responsibility to insurers. Drivers with continuous coverage may be viewed more favorably when seeking new policies or renewals.


Past accidents or violations can make obtaining auto insurance in Texas challenging, but you have options! By exploring high-risk providers, shopping around for quotes, considering non-standard insurers, taking defensive driving courses, opting for higher deductibles, and maintaining continuous coverage, Texas drivers with past incidents can find affordable and comprehensive insurance. With proactive steps, you can overcome these obstacles and secure the coverage you need.

Here When You Need Us

Whether you’re looking to update your policy, explore new coverage options, or simply have questions about car insurance, O’Neal & Associates Insurance is here to help! Contact us at 478-788-1104 or request an online quote today!

Budget Auto Car Insurance in Texas

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Tags: auto insurance, car insurance, O'Neal & Associates Insurance

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