Texas Car Insurance Laws, Rates, and Minimums
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 Texas Having 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.