After hundreds of policy reviews, the same handful of mistakes show up over and over. Here are the ones to watch for.
- Carrying only Texas minimum liability limits
- Rejecting PIP to save a few dollars per month
- Dropping uninsured motorist coverage
- Letting coverage lapse for even one day — lapses trigger surcharges for years
- Not adding teen drivers in advance (waiting until after a claim can mean denial)
- Skipping comprehensive on a financed vehicle
- Setting the deductible higher than you can actually afford
- Failing to disclose business or rideshare use
- Not bundling auto with homeowners or renters
- Never re-shopping the policy — rates drift over time
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.