Texas Auto Insurance Quotes

Compare Quotes Online in Texas from Multiple Auto Insurance Companies:
21st Century InsuranceGMAC InsuranceInfinity InsuranceCarnegie General InsuranceOnline Auto Insurance from Unitrin
Bristol West InsuranceWestern General InsuranceWestern United InsuranceAccess InsuranceExplorer Insurance

Obtain Texas auto insurance quotes online:

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Texas symbol OnlineAutoInsurance.com provides online car insurance quotes in TX. For those looking to save money on automobile coverage, the best way to do so is to compare multiple quotations from various companies. The good news is that the quote form provided above allows motorists to compare rates and coverage from insurers such Progressive, Infinity, AIG and more.
Texas auto insurance quotes are determined by a few factors, including driving record, garaging address, the type of vehicle to be insured, accident and claims history, the driver's age, the type of use for the automobile-such as use during work or just to commute-along with other factors. The price that one can expect to pay for a policy is based on the risk that the applicant poses which is determined by the above items. The industry consensus is that the more violations on a person's driving record, the more likely he or she is to have an accident, which is why coverage can be more expensive when tickets or accidents are reflected on a policyholder's driving record.

How to find cheap online auto insurance quotes in Texas
state of TexasHaving no violations-such as tickets or accidents-on a driving record will be a great benefit when searching for inexpensive rates in the Lone Star State. If motorists have a clean driving history, they are viewed as less of a risk to insurers and are therefore rewarded with cheaper premiums.

Comparing multiple rates from various providers is an effective way to finding savings and cheap TX car insurance policies. Now, drivers can complete this task with one simple process and a few clicks of the mouse. By completing a brief questionnaire, consumers will be provided with numerous quotations from reputable insurers to compare from and save.

If in the market for comprehensive and collision coverage, which is commonly referred to as "full coverage," one can consider high deductibles, such as $1,000, in order to reduce premiums. In most cases, the higher the deductible, the lower the premium. However, one should keep in mind that the amount chosen as a deductible is the amount that would have to be paid before receiving compensation after filing a claim.

Many companies have discounts available that may or may not be offered to a particular driver. Prior to buying Texas auto insurance policies, be sure to ask for any discount that one might qualify for such as driving a low number of miles, having anti-theft devices, safety features equipped, good grades and more. For more information, see the articles, frequently asked questions and news section provided below to help answer questions one may have during the comparison-shopping process.
Texas Auto Insurance Laws
Texas law requires that motorists maintain at least the following minimum liability coverage:
  • $30,000 for bodily injuries to one person.
  • $60,000 for bodily injuries to two or more people per accident.
  • $25,000 liability coverage for property damage. For example, this would cover damages to the other party's vehicle.
This coverage is commonly abbreviated as "30/60/25." Keep in mind that this coverage does not cover the insured's vehicle in case of an accident.

For more information on TX auto insurance laws you can visit the Texas Department of Insurance. OnlineAutoInsurance.com also provides visitors with a guide to comparing Texas car insurance online from multiple companies with one simple process.

Questions About Texas Auto Insurance

  • How Do I Make a Texas Auto Insurance Claim for Tornado Damage?

    Texas tornado warning signIn order for tornado-related vehicle damage to be covered, the insured must have carried comprehensive coverage at the time of the loss. Motorists who do have this included in a policy and have had their vehicles damaged in the Dallas-Fort Worth area should...

  • Do I Need Auto Insurance to Get a Driver's License in Texas?

    State of Texas with black backgroundTexas residents who own a registered vehicle in the state are required to purchase car insurance before they can apply for a driver's license. When it comes time to apply for a license, the applicant will need to show proof of an automobile policy. Proof must also be...

  • How Do Texas Auto Insurance Companies Determine My Accident Risk?

    United States flag shaped as TexasTo determine a resident's risk of being involved in an accident or filing a claim, coverage providers often take into consideration many different details. Often this information can range from personal information about a specific motorist, to the type of vehicle they drive and their...

News Related to Insurance in Texas

  • Car Insurance Laws Go into Effect at Turn of New Year

    December 31, 2013 - The New Year that begins tomorrow will mean a few changes to car insurance-related laws in several states across the U.S. Beginning Wednesday, drivers in California, Texas, Oklahoma and Nevada will be subject to new laws taking effect. California auto policies can be renewed electronically under a law that goes into effect on Jan. 1 ...

  • NICB: Car Insurance Leads Iffy Claim Figures in Tex., NY, NJ

    December 18, 2013 - Personal auto insurance was the line of coverage that generated the most questionable claims (QCs) in Texas, New York and New Jersey between 2010 and 2012, according to three more state-specific reports on QCs that the National Insurance Crime Bureau (NICB) released Wednesday. According to the NICB, which receives QCs from ...

  • Consumer Group Wants 'Junk' Car Insurance Policies Banned in Texas

    November 19, 2013 - In Texas, motorists looking for inexpensive auto insurance coverage can buy a policy that lasts only 30 days. Drivers can also get liability coverage through what's commonly called a "named-driver" policy, which have limited coverage that only covers the person who purchased the policy and nobody else. The consumer ...

Articles on Car Insurance in Texas

  • Drop in Texas Uninsured Rate: Data Issue, or Real Trend?

    Jul 05, 2012 - State data are showing that the number of uninsured drivers in Texas has dropped significantly in 2012. But how much of that trend can be attributed to greater compliance with mandatory car insurance laws, and...

  • More Incentive to Stay Out of Texas's High-Risk Pool

    May 22, 2012 - It has always been a good idea to drive safely and avoid accidents in Texas, but now vehicle owners have a little extra incentive. In April 2012, the state commissioner of insurance issued an order saying that rates for...

  • Car Insurance Requirements in Texas

    Apr 20, 2012 - In the Lone Star State, all motorists are obligated to pay for damages that they cause while behind the wheel. To help ensure that residents are able to do so, state legislators passed financial responsibility laws that...