Whether you're in the heart of Houston or off the shooting range in West Texas, you need reliable auto insurance in Texas for you and your vehicle. Understand the coverage you need for car insurance in Texas and how you can keep costs to a minimum. While not all insurers offer digital insurance cards, legalizing them by state usually means that if you have one, you don't have to worry about carrying a piece of paper in your wallet or glove compartment. Yes, you can show proof of insurance on your phone at the DMV or BMV in every state that accepts proof of digital insurance.
The proof of insurance is the documentation from your insurer that shows that you have an active insurance policy that meets state requirements. For example, Progressive offers a discount when combining insurance policies, such as homeowners insurance, motorcycle insurance, boat insurance, recreational vehicle insurance, and more. While this data provides information on the average cost of car insurance in each state, it's not customized for your specific situation. You may need to present proof of insurance to your landlord, mortgage lender, or condo association, but you usually won't need an insurance card for property insurance policies.
On average, car insurance rates are higher when you're younger and decrease (or stabilize) as you age. Your insurance company will stop charging you for the accident after several years (the duration varies by insurer and state). If you don't have any gaps or cancellations in your insurance history, you'll usually get a lower car insurance rate. While it's always good to have paper copies available as a backup, you can rest easy knowing that your digital insurance card is sufficient in case you need to show proof of insurance.
Keep in mind that you could lose your e-discount if you choose to receive your car insurance card in the mail. Progressive offers a discount for good students if parents add an eligible teen driver to their policy to reduce the cost of insuring new drivers. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Adding your spouse to your car insurance policy offers some small but favorable benefits, including potentially lower costs and the convenience of having a single policy.
The proof of insurance is usually an identification card, printed or electronic, provided by your insurer. There are a variety of factors that affect your car insurance rate, such as your age, location, driving history, use of the vehicle, accidents, type of vehicle, and more.