Question 1

Can I get insurance without a license?

Accepted Answer

Great news! We specialize in helping clients get insured regardless of their license status.
Whether you have a Texas license, out-of-state license, foreign passport, state ID, matrícula, or even no ID at all, we can still get you covered.

Certain surcharges may apply depending on the type of documentation, but our team will work hard to find you the best possible rate.

Question 2

How do I get the lowest cost insurance?

Accepted Answer

We take the time to carefully evaluate your risk and insurance needs, then compare quotes from over 20 top-rated insurance companies on your behalf.

Our goal is to help you find the best coverage at the most competitive price without sacrificing quality or protection. You do not have to waste time calling multiple agents or filling out quote forms on different websites.

We do all the shopping for you so you can feel confident knowing a licensed expert is working to get you the right coverage at the right rate. Let us handle the hard part while you focus on what matters most.

Question 3

Do you rates as low as $29 exist?

Accepted Answer

Yes, insurance rates are based on your ZIP Code.

Areas with higher populations usually have more traffic, which increases the chances of accidents. Because of this higher risk, insurance rates are typically more expensive in big cities like Dallas Fort Worth, Houston, Austin, San Antonio, etc.

On the other hand, those super low rates you see advertised (like “$29 a month”) are usually only available to drivers in very specific low-risk ZIP Codes.

Question 4

What factors affect my insurance rate?

Accepted Answer

Rates are based on factors like your age, driving history, ZIP Code, credit, claims history, vehicle or home type, and coverage selections.

Question 5

Why did my insurance premium increase?

Accepted Answer

Premiums can increase due to rate changes in your area, claims history, inflation, updated risk data, or changes in your coverage or driving record.

Question 6

How can I lower my insurance premium?

Accepted Answer

You can lower your rate by bundling policies, re-shopping rates with us after completing a term, maintaining a clean record, increasing deductibles, improving credit, or asking about discounts.

Question 7

What is a deductible?

Accepted Answer

A deductible is the amount you agree to pay out of pocket before your insurance kicks in to cover a claim.

Example:
Let’s say you have a $500 deductible and you get into an accident that causes $3,000 in damage. You would pay the first $500, and your insurance company would cover the remaining $2,500.

The higher your deductible, the lower your monthly premium usually is but that also means you’ll pay more out of pocket if something happens.

Question 8

What does liability coverage mean?

Accepted Answer

This is the minimum coverage required by law to legally drive on the road in Texas.

Liability coverage helps pay for injuries or property damage that you cause to someone else in an accident. It does not cover your own vehicle or medical bills.

In Texas, the minimum required liability coverage is known as 30/60/25, which means:
	•	$30,000 for bodily injury per person
	•	$60,000 total for bodily injury per accident
	•	$25,000 for property damage per accident

Question 9

What happens if I miss my payment?

Accepted Answer

Missing a payment can lead to cancellation or a lapse in coverage, which may affect your ability to get affordable insurance in the future.

Most insurance companies offer a seven-day grace period, but this is not guaranteed. Policies and timelines vary by company.

We recommend setting up automatic payments to avoid missing a due date and to help keep your coverage active without interruption.

For exact details on your policy’s grace period or cancellation terms, please contact your agent directly for clear and accurate verification.

Question 10

What is full coverage?

Accepted Answer

“Full coverage” is a common term that usually refers to a combination of liability, comprehensive, and collision coverage. It means your policy covers damage you cause to others, as well as damage to your own vehicle from accidents, theft, weather, or other incidents.

It does not mean every possible situation is covered, and it often does not include extras like roadside assistance or rental car reimbursement unless you add them.

Question 11

What is uninsured or underinsured motorist coverage?

Accepted Answer

This coverage protects you if you are hit by a driver who has no insurance, not enough insurance, or leaves the scene (hit and run).

This coverage is optional but highly recommended, especially in Texas where many drivers are uninsured. It usually carries a $250 deductible, meaning you pay that amount before the coverage applies.

Question 12

Is roadside assistance included in my policy?

Accepted Answer

Roadside assistance is not automatically included. It is an optional add-on that can help with towing, battery jumps, flat tires, lockouts, and more.

At Freeway, we offer our own Freeway Auto Club, with 6-month and 12-month plans available at competitive prices.

We offer everything from basic to premium plans, including options for single drivers or full family plans. Coverage is available for all vehicles.

Ask your agent how to get started today. Let’s get you protected.

Freeway Insurance

Complete Coverage for You, Your Family & Your Business