(a) Except as provided in Insurance Code §551.1053, concerning Mandatory Nonrenewal of Private Passenger Automobile Insurance Policies, and Division 2 of this subchapter (relating to Mandatory Nonrenewal of Private Passenger Automobile Insurance Policies), a policy must be renewed at expiration, at the option of the policyholder, unless the insurer has mailed written notice of nonrenewal to the policyholder at least 60 days before the policy's expiration date. The insurer may comply with this provision by requiring or permitting its agent to notify the policyholder. However, it is the insurer's responsibility to give notice to the policyholder if the agent fails to notify the insured.(b) An insurer may not decline to renew personal automobile policies because of the ages of the insureds.