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Affordable Auto Insurance For Texas Uber Drivers!
Texas Uber Insurance
OnGuard Insurance offers affordable rates on Uber Insurance in Texas. Get the right coverage that will have you covered during all periods of your rides as well as your regular personal use. Get a quick Texas Uber Insurance Quote Online now or call (888) 997-8683 to speak with a licensed agent today!
As an Uber driver, most insurance companies in TX won’t cover you while you’re roaming waiting to pick up your next ride. Your ridesharing insurance company will not provide coverage during this time; neither will a regular auto insurance policy. What you need is a Texas Uber insurance policy that offers an endorsement to provide coverage for Rideshare drivers.
OnGuard Insurance is an authorized producer of Multiple Insurance companies in multiple states that offers a “transportation endorsement”, in Texas we work mostly with Progressive Insurance to provide coverage for Uber drivers for just a few dollars more a month. Being one of the most affordable companies already, you’ll probably end up paying less than you were before you needed Uber auto insurance in Texas.
Uber Insurance Quotes in Texas
Let OnGuard Insurance help you get covered while saving you time & money… get your free TX Uber auto insurance quote in just a couple of minutes online or call 888-997-8683 to speak to a licensed agent!
Why Purchase Uber Car Insurance in Texas?
Transportation Network Companies (TNC) like Uber and Lyft are experiencing explosive growth as consumers embrace this convenient form of transportation in record numbers. The market is much bigger than you might think, as an estimated 500,000 TNC drivers are currently involved in ride-sharing (Uber, Lyft, etc.). Many of these drivers are unknowingly exposed to potential gaps in coverage.
In fact, most companies are experiencing claims from Uber drivers every day, and many of these claims are being denied because the personal auto insurance policy only provides coverage when the TNC driver’s ride-hailing app is off. This means that many of you driving for these companies probably aren’t covered under your personal policies. Our ride-sharing coverage will close that gap and provide a solution by extending coverage during Period 1 of the drive cycle (see illustration).
Don’t ride-hailing companies have policies that cover their drivers?
In most cases, a company’s full commercial coverage doesn’t come into play until a ride has been accepted. During the time when a driver has logged into the company app, but not yet accepted a ride [Period 1], limited coverage may apply.
What about the driver’s personal auto policy?
Personal auto policies aren’t designed to extend coverage when transporting passengers for hire. In fact, most personal policies exclude this type of exposure, and many are extending this exclusion to include the time Uber app is on, but no fare has been accepted [Period 1].
When does the Uber insurance coverage come into play?
This uber insurance coverage extends drivers’ personal auto policies through Period 1 of the ride cycle, allowing drivers to obtain coverage not provided by their ridesharing companies. Your TNC’s insurance company provides coverage from when a ride is accepted on the app, to when the passenger is dropped off. Our uber insurance policy provides coverage while roaming looking for a passenger and of course for all other personal use.
What is the cost of this coverage, and how do I add it?
On average, the ridesharing endorsement is about $10/mo. to add. With Progressive, we require that the insured use the snap shot device on all ridesharing policies in Texas. A surcharge will be applied for the ridesharing coverage (the surcharge will vary slightly based upon coverages selected). Once you’ve requested a quote, one of our agents will contact you to go over your quote and underwrite the policy, please advise us that you drive for a ridesharing company and we’ll add that coverage on for you.
How do I get an Uber insurance in Texas?
Whether you need Uber car insurance, Lyft insurance or Sidecar insurance, OnGuard can have you covered to drive for any or all of the ride-hauling companies in just minutes. Get your free rideshare insurance quote online or call 888-997-8683 to speak to a licensed agent today! We look forward to speaking with you and getting you the right Uber insurance coverage in Texas at an affordable price!