Nick

Houston, TX

Congratulations on buying your first car!

Going back to your question, property damage and physical damage are both types of auto insurance coverage and they differ from each other. Let me just give you an explanation of those to give you a clearer understanding.

Property damage coverage is a kind of auto insurance coverage that pays for the damages you have caused to another party’s vehicle or property. Deductible is not offered on that kind of coverage.

On the other hand, physical damage coverage refers to collision and comprehensive coverage. Collision coverage pays for the damage on your car if it collided with another property or vehicle or object. Meanwhile, comprehensive covers you for the damage incurred on your car because of non-vehicular related accident like hail, fire, theft, vandalism etc. In general, these coverages have different deductibles.

For more information, you could seek the help of your auto insurance agent in Texas to better help you in getting cheap auto insurance rates.

Olive

Houston, TX

Hello there Olive! It’s nice to know that there are teen drivers like you who at an early age are responsible enough to think about their own teen auto insurance. However, I’m afraid to say that it’s going to be difficult on your part.

In general, car insurance companies use driving record as one of the factors that they consider in setting auto insurance rate for drivers. This driving record can be obtained from your state department’s motor vehicle record. And without a driver’s license it would be difficult for auto insurance companies to get hold of a person’s driving record.

However, I heard from a cousin who knows something about teen auto insurance, that if you have learner’s permit, some car insurance companies will allow you to purchase car insurance for yourself and have the policy started given that in 30 day period that they will give you, you can get a full driver’s license. If you failed to do so, said car insurance policy will be cancelled.

In addition, from what I know, there are still some car insurance companies who give teen auto insurance for those who only have learner’s permit. But just to make sure, I would say it best that you contact a licensed auto insurance agent in Texas so you could get the best help in securing your own car insurance.