If you want to become a licensed car insurance agent, you need to understand how car insurance works in Texas. You must first complete a pre-licensing course approved by the Texas Department of Insurance. After completing the course, you need to pass the state licensing exam, which tests your knowledge of insurance principles and Texas laws.
If you pass the Property and Causualty Insurance Exam you can become the car insurance agent. We provide P&C courses and offer in person, zoom and on demand classes as well.
Types of Car Insurance Coverage
1. Liability Insurance (Required)
This coverage pays for injuries or property damage that you cause to others.
2. Collision Coverage
In contrast to liability insurance, collision helps repair or replace your vehicle after an accident.
3. Comprehensive Coverage
This covers non-collision events such as hailstorms, theft, vandalism, fire, or hitting an animal. Since Texas weather can be unpredictable, many drivers rely on this coverage.
4. Uninsured/Underinsured Motorist Coverage
Although insurance is mandatory, not everyone carries enough. This coverage protects you if the other driver is uninsured or underinsured.
5. Personal Injury Protection (PIP)
Finally, PIP helps pay for medical bills and lost wages regardless of who caused the accident.
Car Insurance in Fort Worth
Fort Worth has its own set of rating factors that influence insurance prices. For example, population growth, busy roadways, and frequent storms all impact rates. Additionally, the area sees a higher number of car thefts compared to smaller cities. Together, these elements create a distinct risk environment.
When you become a licensed P&C agent, understanding these rating factors helps you educate clients and provide better policy recommendations.
How to Become a Car Insurance Agent in Texas
First, you need to complete a pre-licensing education course specific to the type of insurance you wish to sell, which must be approved by the Texas Department of Insurance. Next, schedule and pass the state licensing exam that covers insurance fundamentals and Texas-specific regulations. Once you’ve passed the exam, you must submit your application for a license with the Texas Department of Insurance, along with any required fees and documentation.
FAQS:
Which insurance license do I need to sell car insurance in Texas?
To sell car insurance in Texas, you must obtain a Property & Casualty (P&C) insurance license. Car insurance falls under casualty insurance, so a Life & Health license will not allow you to sell auto policies.
Is the Property & Casualty exam hard?
The Texas P&C exam can be challenging if you don’t prepare properly, especially for first-time test takers. It covers:
Insurance fundamentals
Texas insurance laws
Auto, homeowners, and commercial policies
However, students who complete a TDI-approved pre-licensing course and take practice exams have a much higher pass rate.
What is the best insurance course for car insurance in Texas?
A good course should offer:
Clear explanations of auto insurance concepts
Texas-specific exam preparation
Practice questions similar to the real exam
Flexible options like in-person, Zoom, or on-demand classes
Do I need college education to become a car insurance agent?
No, a college degree is not required. To qualify, you must:
Be at least 18 years old
Complete a TDI-approved course
Pass the Texas P&C exam
Submit a license application
Why choose 123 Ace The Test for car insurance licensing in Texas?
Students choose 123 Ace The Test because of:
TDI-approved courses
Multiple learning formats (Zoom, in-person, on-demand)
Experienced instructors
Strong focus on passing the Texas P&C exam