Looking for cheap auto insurance in Texas? Use our free quotes comparison tool above to compare dozens of auto insurance companies in Texas. Save hundreds of dollars on your car insurance in minutes. Need to know more about Texas auto insurance? Check out the information below.
What you need to know about Texas auto insurance
Auto insurance requirements in Texas require a minimum bodily injury liability of at least $30,000 per person and up to $60,000 for any accidents. Texas also has a minimum property damage liability, which is currently set at least $25,000. The three terms above are commonly referred to as 30/60/25 coverage. All though the rates above are the minimum required by law, more coverage is recommended, especially for bodily injury liability. Incase of serious accidents, the bodily injury liability coverage above will not be nearly enough. The property damage liability of $25,000 is generally enough for most people; therefore it is not recommended that you increase your coverage for this since it would just add unnecessary costs.
How to compare Texas auto insurance companies
While a low premium is preferable it shouldn’t be the main thing you look for when comparing auto insurance companies in Texas. You should look for companies which provide the protection which suits you best, for the the best price. Many companies will give you very low cost auto insurance, but the coverage provided by them will be abysmal. In the short run the cheapest auto insurance may suffice, but in the long run going with the cheapest possible insurance may not be best. Our quotes comparison tool above can help you compare car insurance companies in Texas and help you find the cheapest car insurance in Texas with the best coverage for each dollar spent.
What’s the average price of car insurance in Texas?
According to recently released data by the national association of insurance commissioners (NAIC), the average cost of auto insurance in Texas for 2011 was $1408. The average cost of auto insurance was highly dependent on area. Auto insurance costs in Houston hovered around $1700, while in small cities the cost of auto insurance hovered around $1200.
What’s the penalty for driving without insurance in Texas?
Penalties for driving without insurance will depend on whether it was a first time conviction or second/third+. The starting fine for driving without insurance in Texas is $175-$350. Multiple convictions will raise the fine amounts up to $1,000, after that your car will be impounded and your license suspended.
Want cheap auto insurance in Texas? Here’s a few tips:
1) Increase your deductible. Increasing your deductible is one of easiest ways to lower your premiums. With a higher deductible you might end up paying more short term, but long term you will save thousands of dollars.
2) Get a defensive driving certificate. Taking a defensive driving course can lower your insurance dramatically, especially if you have driving violations such as tickets. It’s best to call up the insurance company you’re interested in and ask if they offer discounts, and if so how much. It’s important to note that not all insurance companies will give you a discount.
3) Don’t pay by mail! And don’t receive statements by mail! Increasingly insurance companies have begun to charge for sending physical statements. Setting up payments to be made online is far faster and easier then it used to be; so set up payments to be made online!
4) Buy protection. Live in an area with high crime rates? Unfortunately if you do you’ll be paying a higher premium and there’s not much you can do. Fortunately there is ways to mitigate the costs. You can lower your costs by buying an anti theft device for your car. While buying an anti theft device may have high upfront costs, it will save you money long term.
5) Don’t buy insurance quickly! Take your time comparing auto insurance providers in Texas. There’s lots of companies to look through. If you spend the extra time you will most likely find a better rate then a person who buys their insurance quickly. Most people will compare at least 3 auto insurance companies. You can use our comparison tool above to compare over a dozen companies, so do it!
That’s it! Follow the tips above and save your money, it’s that simple. Ready to find an auto insurance company that’s perfect for you now? Perfect. You can get started by using our Texas auto insurance quotes comparison tool above. Compare rates from over a dozen companies in minutes!
