Drivers should beware of auto insurance offers, often on social media, hinting at required discounts based on factors such as your age, your car’s age, or driving habits.
Dozens of Texas consumers have called the Texas Department of Insurance asking about so-called laws or regulations enabling discounts for the elderly or for driving less—sometimes only if you act quickly.
“Insurance companies may offer discounts, but no state law or rule mandates discounts or puts a time limit on them,” said Insurance Commissioner Cassie Brown. “Such claims are misleading.”
One risk: Personal information you provide in response to an ad might be going to a third-party vendor that sells your information to others.
You can avoid misinformation by shopping directly with insurance companies or agents. You can then ask about available discounts and how you can qualify.
Compare auto insurance policies and pricing at HelpInsure.com, which posts sample rates and policy terms.
If you suspect an insurance company or agent of misleading advertising, you may file a complaint with TDI. We can review the advertising.
Have an insurance question? Call TDI’s Help Line at 800-252-3439 weekdays from 8 a.m. to 5 p.m. Central time.
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