Here are some of the most common questions people have about insurance plans. If you have a specific query, feel free to contact us.
1. What is the minimum car insurance required in Texas?
In Texas, liability insurance is mandatory. The minimum requirements are:
- $30,000 for injuries per person
- $60,000 for injuries per accident
- $25,000 for property damage
While this is the minimum, we recommend higher coverage for peace of mind.
2. How much should I expect to pay for car insurance as a new driver?
New drivers tend to pay higher premiums due to their lack of driving history and higher risk.
On average, new drivers in Texas might pay between $110–$160 per month, depending on factors like:
- Your vehicle’s make/model
- Your driving history (if any)
- Discounts available (e.g., good student, safety features)
Pro Tip: Always compare quotes from multiple insurers.
3. Can I get health insurance if I’m under 25?
Yes, in both the USA and Canada, there are multiple options for young adults, including:
- In the USA: You can stay on your parent’s plan until age 26 (under the Affordable Care Act) or explore government-subsidized options like Medicaid if eligible.
- In Canada: Public healthcare is available, but you might need private insurance for additional coverage (e.g., dental, vision).
We guide you through the best options.
4. What’s the difference between term and whole life insurance?
- Term Life Insurance: Provides coverage for a specific term (10, 20, 30 years) and pays a death benefit if you pass away during the term.
✅ Affordable for young people - Whole Life Insurance: Permanent coverage that lasts for your entire life, with a cash value component that grows over time.
✅ More expensive, but can act as an investment
We help you compare both, so you can choose the best option for your life stage.
5. How can I lower my car insurance premiums?
Here are a few tips to reduce your car insurance cost:
- Maintain a clean driving record
- Take a defensive driving course
- Install safety features like anti-theft devices
- Bundle policies (car + home)
- Limit your mileage (if you drive less than the average, you might qualify for a discount)
6. What factors affect my life insurance premium?
Several factors can impact the cost of life insurance:
- Age: The younger you are, the cheaper your premiums.
- Health: Smokers, people with health conditions, or those in poor physical condition may pay higher premiums.
- Lifestyle: Occupation, hobbies, and travel habits can also affect rates.
7. How do I make a claim for insurance?
The process can vary by insurer, but here’s the general process:
- Contact your insurer as soon as the event happens (car accident, medical emergency, etc.)
- Provide all required information: policy number, details of the incident, and any necessary documentation (photos, medical records, etc.)
- Follow up regularly: Insurance companies might need additional information, and tracking the claim status ensures everything is moving smoothly.
We recommend working with an insurance agent to guide you through the claims process.
8. Do I need travel insurance for short trips?
Yes, even for short trips, travel insurance can cover you for unexpected issues like:
- Medical emergencies while abroad
- Trip cancellations or delays
- Lost baggage or stolen items
We help you compare travel insurance plans that fit your needs.
9. How often should I review my insurance policies?
It’s wise to review your policies every 6–12 months to ensure:
- You’re still getting the best rate
- Coverage matches your current needs (e.g., car changes, life events like marriage or children)
Reviewing policies regularly can save you money and give you better protection.
10. How can I find affordable insurance?
To find affordable options, always:
- Compare multiple quotes from different companies
- Take advantage of discounts like good student, multi-policy, or safe driver discounts
- Consider usage-based insurance for lower-mileage drivers
We help you find the best affordable plans in the USA & Canada.
💡 Still Have Questions?
If you didn’t find the answer you’re looking for, feel free to Contact Us, and we’ll be happy to assist.