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
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This guide is part of our Tips hub – see every related guide, or start from the El Paso auto insurance overview.
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.