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Can You Still Get Affordable Car Insurance Texas Deals When You’re Car Sharing

If you are among the millions of Americans that carpool to work or school to save money, preserve their vehicles and help the environment by reducing the number of cars on the road, then you may want to know a little more about what your car insurance covers. According to a U.S. Census conducted in 2000, 15.6 million, or 12.2 percent, of all commuters carpooled to work.

As long as you don’t make money from carpooling, your auto insurance company will have already given you the green light in its standard contract. However, if you use your car as a taxi or livery service to carry people or property for profit, individual coverage is typically excluded. Therefore, when looking for affordable car insurance Texas deals, this is something you’ll need to look into to find something affordable and suited to your circumstances.

The more eco-minded motorists take to carpooling, the more grassroots "peer-to-peer" car-sharing programs that enable sharing vehicles with total strangers or forgo car ownership altogether and switch to borrowing vehicles only when necessary become established.

You’re going to be surprised to find that this is pretty much commonplace AND works exceptionally well in college campus where students just need cars to do errands and not for the full day. So if this applies to you, then you’ll want to search for affordable car insurance Texas deals for carpoolers. Some insurers say that if you're a carpooler, coverage does apply. In other words, if you’re in someone’s vehicle and you're driving, you would be a permissive user in that case, so coverage would also apply.

Typically, you will gain access to cars on demand at minimal rental rates of $5 to $15 an hour and $50 to $150 a day. And how this works is pretty simple. You search online for the ride you want at the location nearest to you, and schedule your rental time. Using a card, access code or lock box, you pick up your vehicle and once you’re done with your errands you simply return it at the assigned time and place.

Car insurance premiums for individual coverage are based on personal, not commercial, use of your vehicle. Therefore when you submit your car to ride sharing, it exposes your auto to greater risk from weather, traffic and drivers unfamiliar with the vehicle. And this is why some insurers view car-sharing services as a higher risk, so they may be inclined to do one of two things. Either cancel or not renew a driver's car insurance policy; or increase premiums if a policyholder's vehicle is involved in an accident while it's being rented.

I wonder if you’ve realized that there are steps to be taken should ride-sharing enthusiasts in the state of Texas want to check if similar statutes have been enacted. If you’re the kind of person that wants to find affordable car insurance Texas deals for carpoolers, then it is advisable you consult your car insurance company to know what conditions and premiums, if any, apply to Texas.

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