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How to Get an Auto insurance Quote in Texas

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How Can you Find the Best Texas Car Insurance Quotes?

Whether you’ve lived in Texas for a long time and need to get car insurance for a new vehicle, or if you’ve just moved to the state and need to find a new quote, it’s important to find the best Texas car insurance quotes  you can. When you’re searching for the best quotes, it’s important to know what you’re looking for, know your potential weaknesses, and know your state minimum requirements for coverage.

Know what You’re Looking For

Of course, you’re looking for insurance quotes, but insurance is a nuanced business, and knowing exactly what you need can help make sure you aren’t paying more than you need to be. This is where knowing your state minimums, the amount and type of driving you do, and the amount of protection your car needs can all help you.

Currently, in Texas, the minimum bodily injury liability coverage is $30,000 per person and $60,000 per accident, so this is the bare minimum coverage you will need. The cost of this coverage will vary on a number of things, including your driving record and the make, model, and year of your car.

However, while this is the minimum required by the state, your minimum coverage will vary depending on other factors. If you are currently paying off your car, most lienholders will require you to obtain full-coverage insurance, which will pay to fix or replace your car if it is damaged by an at-fault driver. If this is your situation, you’ll want to look at Texas car insurance quotes that involve full coverage.

You may want to get full coverage even if you have paid off your car, though. If you have a relatively late-model car that you want to protect, this is a good idea. If your car is totaled in an accident, chances are that it would be much more expensive to replace it than to pay a bit more on your premium.

However, if you have an extremely old car that you suspect may die soon, you might prefer to save money by just going with a minimum coverage quote. This is especially true if you rarely drive, since rarely being on the road greatly decreases your chances of being in an accident. On the other hand, if you drive very often, you may want to opt for more coverage than the minimum, but perhaps not full coverage.

In short, before you go searching for Texas car insurance quotes , it can save you time and effort to have an idea of what kind of insurance you think you’ll need, the make/model/age/condition of your vehicle, and how much (and in what conditions) you drive. Knowing these things can help you expediently find the right quote for the right price, whether you’re using an online quote generator or talking to an agent in person.

Know what May Cause you to Pay More

Many people, especially new drivers or those who have amassed a large amount of tickets, may be surprised that their insurance quotes are more expensive than they had hoped. This may be especially surprising to younger or newer drivers. Statistically, younger drivers or those with short or nonexistent driving records get into more accidents, so their premiums may be higher, despite the fact that the short records they have may be completely free of accidents or tickets.

Even if you have a long driving record, even a single ticket may increase your premium, and convictions for reckless driving or DUI/DWI/OVI may also drive up your premiums. This may be discouraging, but in general, if after your conviction your record is clean for a number of years, your premiums will go back down. There generally is not anything you can do to reduce your premium if this happens, but some insurance providers will charge more than others if you have some issues with your driving record, so comparison shopping is your friend.

If you have to have multiple drivers on your insurance, comparison shopping is worthwhile as well. Particularly if you are including a newer driver on your insurance, your rates may go up significantly, and taking the time to compare quotes is worth it if you want to save money and find the best deal you can.

In summary, finding the right insurance quote can be daunting, but it doesn’t have to be difficult. When you have an idea of what you’re looking for and know your potential cost-increasers ahead of time, you can more easily find a quote that suits you and any other drivers on your plan. If you’re just beginning your search, paying a visit to our quote form can help you answer any questions and get a good start on finding the right deal for you.

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Every State Varies when Shopping for Auto Insurance in Texas

It’s sometimes a surprise that auto insurance Texas requirements are not the same as in every other state. In fact, each state is allowed to come up with its own individual rules and laws on auto insurance for their inhabitants. Texas has many particular requirements and penalties that all drivers in the state should be familiar with so that they do not run afoul of the lawman.


Texas like most states maintains requirements for how you are capable of paying for any and all injuries and damages if you are in a car accident for which you are at fault. The way that Texas expects for most people to fulfill this legal requirement is through purchasing liability auto insurance. Assuming that you decide to meet the law’s auto insurance requirements through the liability insurance route, there are certain minimum limit amounts that your policy has to carry. You must have:


Auto Insurance Texas – Requirements


  • $60,000 per incident for injuries
  • $30,000 per person for each injured individual
  • $25,000 for any property damage


Besides these amounts and coverage, there are other kinds of optional auto insurance coverage that can safeguard you and your finances. These include the following:


Comprehensive Coverage – assists with any damages to your car that are unrelated to car accidents. This would cover hail that falls and makes dents in your car, for example.

Collision Coverage – covers damage your vehicle suffers from because of accidents with other vehicles on the road.

Under-insured/Uninsured Driver Coverage – protects you from damages inflicted by the 20% of present Texan drivers who are illegally uninsured.

Towing and Labor – pay for tow trucks and towing labor should you break down or be involved in an accident.



What else do I need to know?


There are some alternatives to buying auto insurance Texas drivers should purchase. The state offers some additional means of demonstrating your financial responsibility to cover accident costs. You could purchase surety bonds from two separate sureties who are property owners in the state of Texas. However, the limited coverage will have to be the same as with the liability insurance requirements. This means that you need a $55,000 cashier’s check or cash deposit with the county judge where the car registration is on file. You also need a $55,000 securities deposit or cash deposit made with the state Comptroller.


Alternatively, you could provide a certificate of self-insurance. In order to be eligible for self-insurance and the accompanying certificate, you must possess a fleet of in excess of 25 cars. This form of proof of financial responsibility is really intended for businesses with fleets of cars or other commercial driving enterprises.


Carrying proof of auto insurance in Texas is not only a good idea, but it is also the law. The company that provides your auto insurance will supply an insurance card that you can utilize for your proof of auto insurance. You must be ready to show this to any Texas law enforcement officer upon demand when you are in your car.

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How do you Maximize Value in your Texas Auto Insurance Policy?

Maximizing value in your Texas Auto Insurance is the most critical part of your purchase. You are required by law to spend money on auto insurance every month. The money you spend must offer you real value. You may find value in different places around your policy, and you must craft a policy that you find valuable. Agents in Texas will help you create valuable policies. This article explores ways you may create value in your auto insurance policy.


Get the Most out of Texas Auto Insurance


Do you Need Comprehensive Coverage?

Comprehensive coverage for your vehicle offers you more amenities, but you may not need the amenities that are offered. Roadside assistance, rental car services and personal property insurance are excellent options, but you may not need any of these options. Ask your local auto insurance agent to remove the options you do not want, or you may make a change to a collision policy.


Choose Collision Coverage

A collision policy has no extra options beyond repairs for your vehicle. Your collision policy pays for an adjuster to inspect your car, repairs to your car and nothing more. The car will be repaired after you are visited by an adjuster, and you will be issued a check to cover the necessary repairs to your car. Collision coverage is basic on every level, but you will pay very little for the policy. You get the insurance you need to drive within the law, but you will not pay much at all for the coverage you need.


More Information on Texas Auto Insurance


Pick and Choose your Options

Pick and choose your options carefully when you purchase a comprehensive auto insurance policy. Comprehensive coverage is valuable, but you must eliminate anything you do not want to pay for. Eliminate roadside assistance when you get that service from somewhere else or eliminate the rental car option when you can get a rental car yourself. Work with a local agent in Texas to create a policy that is valuable in your eyes, and your agent will continually adjust the policy until you are comfortable.


Change your Deductible

The deductible on your auto insurance policy is not set in stone. You may raise your deductible if you wish to pay less every month for your premium, or you may lower your deductible to zero. An auto insurance policy with no deductible is extremely valuable, but you will pay more every month for your premium. Ask your auto insurance agent to change your deductible, and you will see how the price of the policy changes.


Making adjustments to your Texas Auto Insurance will help you create value in your policy based on your needs. You cannot purchase an auto insurance policy with options you do not need, and your local agent in Texas will write the policy specifically to meet your needs. The value you find in your policy will be most evident when you file a claim, and you must consider what the claims process will be like once you purchase your policy.

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The Challenge of Finding the Best Auto Insurance in Texas for Teenagers

Like all other states, the State of Texas has a mandatory liability insurance requirement for any person operating a motor vehicle in the state. While finding the best auto insurance in Texas can be relatively easy for the average adult; however, finding the coverage can be quite a challenge.


As a general rule, most insurance companies charge considerably more for insurance for drivers under the age of 25; however, by using the search tools at, parents of teenagers will be able to search for the best auto insurance in Texas.


The Cause of Auto Insurance Rates for Teens

There are a number of factors that the actuaries at insurance companies must consider. This is because they need to set the premium rates for young drivers in Texas. Following, are key elements of driving that contribute to the high rate that teens must pay in order to be insured. Therefore minimizing the options for finding insurance for young drivers.


General Lack of Skill 

Due to the lack of skill and the lack of experience in numerous driving situations, teens are at a significant disadvantage on the road. Simply, based on the fact that they have not been behind the wheel long enough to develop and hone their driving skills and reflexes. They are more likely to respond inappropriately in certain situations, leading to accidents. The lack of experience and skills is one of the most prevalent influences on the difficulty of securing coverage for teens.


More Prone to Becoming Distracted

Teens have proven that they are more easily distracted by things that may be going on around them. A number of recent studies have revealed that distracted driving has become a significant issue among younger drives. This is especially true when it comes to texting and talking on cell phones. And, recent statistics have revealed that engaging a phone while driving can prove to be deadly.


Since 2010, drivers between the ages of 15 to 19-years-old have died as a result of being distracted. This increase remains in the double digits.


The Proclivity to Take Unnecessary Risks

One issue that limits that ability to find the best auto insurance in Texas for teenagers are more adventurous. This makes them more likely to take unnecessary risks. For example traveling at a high rate of speed or erratic driving, such as frequent and rapid lane changes. When handling a 3,000-pound vehicle, taking risks can quickly result in a catastrophe. According to numbers produced by the Texas Department of Public Safety, 35 percent of 16 to 19-year-old drivers are involved in an injury or fatal crash due to driving at an unsafe speed.


The statistics also reveal that teens are likely to travel too close to other vehicles, which leads to a higher accident rate. It is this high accident rate that makes it much tougher to find coverage for individuals under the age of 25.


The Best Auto Insurance in Texas

It is the aforementioned risks and others that contribute to the high cost of auto insurance for teens in Texas; however, offers some unique tools that will allow consumers in the state of Texas to effectively search for the best auto coverage for teens. There are numerous insurance companies that offer coverage; however, the problem is that it can be immensely challenging to find these companies through basic searches. Additionally, many of the companies may have special rates available. These rates may not be listed on their site or other search sites, so it is imperative to find a search mechanism that can provide a platform that allows consumers to conduct a detailed search for insurance for teens.


In addition to having the capacity to search for the best rates. It is a good idea to enroll teens in defensive driving courses that many insurance companies will give credit for. Although it is difficult to find the best auto insurance in Texas, it is definitely not impossible.

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Texas Car Insurance Information You Need to Know

Everyone pretty much understands that shopping for Texas car insurance is quite a big task. After paying for your automobile, putting fuel in your automobile, and paying to maintain your automobile, purchasing Texas car insurance is one of the most expensive parts of owning your automobile. Some people have wondered if purchasing coverage is worth the price. A simple review of traffic statistics in Texas shows why having Texas car insurance is so important.


Accident Trends in Texas

Every year, the Texas Department of Transportation compiles a list that details all of the traffic information for the state. Included in this information is all of the accidents that took place on Texas highways and on Texas roads. According to the report that was created for the 2013 calendar year, there was one automobile accident that took place every 71 seconds. From those accidents, one individual was injured approximately every two minutes and 16 seconds. Every two hours and 36 minutes automobile accidents resulted in fatalities. These statistics alone underscore the benefit of having Texas car insurance.


But you may think to yourself, I do not drive in the city, I avoid the highways, I’m a safe driver, and so maybe I don’t need coverage. However, something that is surprising to most drivers is the fact that in 2013, more than half of traffic fatalities took place, not in the cities, not on the highways, but instead in rural areas of the state. This means that individuals driving on small roads and in areas that a person would think would be less likely to have automobile accidents are actually at greater risk than people who are driving in the city.


Motorcycle owners also need to be concerned about purchasing coverage. The statistics show that during the 2013 calendar year, there were almost 500 fatal accidents that involved motorcycles.


Some argue, but I’m a safe driver, so why do I need to purchase Texas car insurance? Well, even if you are a safe driver, this does not mean that those around you will drive safely. The statistics clearly show that during 2013, thousands of crashes on Texas roads were caused by drivers who were driving while under the influence of drugs or alcohol. Along with drivers who are driving distracted. This includes many teenagers who were driving while texting on their phone, talking on their phone, or playing with their radio. Purchasing the coverage you need provides protection for safe drivers who need to drive on the same road with others who are not so safe.


Is Purchasing Insurance Cost-Effective?

There are many people who make the argument that purchasing TX car insurance is a scam. They say that they pay every single month for something that they never use. What people who present this argument fail to understand is that if they are fortunate, auto insurance in Texas is something that they will never need to use. However, if they find themselves in the unfortunate situation of being in an accident, the benefits that come from having coverage in Texas is tremendous.


The National Highway Transportation Safety Administration provides annual statistics on the cost of auto crashes. In addition to the emotional toll that an automobile accident takes on an individual, there is also the financial cost of an accident. According to the NHTSA, from the years 2007 to 2012, expenses that include medical care, lost wages, and out-of-pocket expenditures that came as the result of an automobile accident increased by 8 percent. On average, an automobile accident in 2013 resulted in a liability claim for $3,231. Bodily injury was in excess of $15,000.


The statistics shed light on the benefits of considering using auto insurance in Texas. While it is true that a person may go years without needing to use insurance, just one automobile accident can lead to expenditures that far outweigh the amount of money they are paying out in insurance premiums.


However, some argue that if they simply save the money that they would pay to their insurance company every single month, when an accident arises, they would have the money that they need to cover the expense. And while in a perfect world that would be true, most people lack the willpower to set aside money every single month for a what if scenario. Additionally, a person would have to save money for years and not have an automobile accident during that time, in order to save enough to cover damages and personal injury that arise from an accident.


The Benefits of Car Insurance TX

One of the first things to remember about Texas is that it is an “at fault state”. This means that according to Texas law, the driver who is at fault is the one who pays for the accident. Additionally, Texas requires drivers to have minimal automobile insurance. So the first benefit that a person gets by purchasing auto insurance in Texas is that they are able to drive in harmony with the law. If a person is pulled over without automobile insurance, they may face fines. Along with losing their license, and in some cases they may even face jail time.


The primary benefit of having coverage is that it provides you as a driver with an economic safety net. In our society, many people are living paycheck to paycheck. They do not have a back pile of cash set aside just in case there is an emergency. As mentioned in the previous section, automobile accidents are expensive. They can easily cost into the tens of thousands of dollars. Even minor accidents that do not result in injury can run into thousands of dollars. For this reason, many individuals have decided that it is better to pay the monthly insurance fee. As opposed to finding themselves in an accident and losing everything they have.


A second benefit of having Texas car insurance is that it provides you with a legal professional. They can examine the circumstances surrounding your accident, determine who is at fault, and come up with a fair and equitable resolution to the claim. This is something that does not happen without third-party intervention.


Which Insurance Company Should You Choose?

The television, radio, newspapers, and the Internet are full of advertisements encouraging people to purchase from one insurance company or another. In order to make the best choice, you will need to examine your situation carefully. It is a good idea to sit down and talk with an insurance agent. Let them present you with the different auto insurance in Texas options that they have available.


While it may be tempting to go with the lowest priced option, if you do this, you may find that you get what you pay for. The only thing that is worse than having no insurance is not having enough coverage. In the search for automobile insurance, it is vital that you do your research. Try to clearly understand what each insurance company offers. Along with what they will require from you in the way of deductibles and other considerations.


In the state of Texas, having car insurance is the law. It is not an option. Automobile insurance provides a financial safety net, it provides peace of mind, and it provides you with a third-party to help you review your accident and to make sure that damages are covered in an equitable way.

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Responsible Drivers get Auto Insurance in Texas

They say everything’s bigger in Texas, including the sheer amount of land to travel across. Throughout the state, there is nearly a million miles of road to travel across, which is easily the most of any state in the country; California is second, sporting only 70 percent of the roads compared to what Texas offers. With such long drives between destinations, it’s all the more important to ensure you’re protected with good auto insurance.

Requirements for Texas Auto Insurance

Naturally, drivers in Texas like to seek the lowest possible auto insurance rates. The best way to get started on finding the best value is to understand exactly what your state requires for financial responsibility.

At the minimum, liability insurance auto insurance coverage must be 30,000/60,000/25,000 to satisfy the law of financial responsibility in Texas. In other words, your auto insurance policy must provide insurance against the following losses in any accident in which you have been ruled at fault:

  • $30,000: The minimum for either bodily injury to or the death of an individual in a single accident
  • $60,000: The minimum for either bodily injury to or the death of at least two individuals in a single accident, which is also subject to the aforementioned limit of $30,000
  • $25,000: The minimum for causing destruction or injury to another’s property during an accident

Under Texas law, it is required that you are able to offer documentary proof of your auto insurance under the following situations:

  • After an accident when a police officer requests to see your auto insurance
  • When an officer requests documents at a traffic stop
  • Upon registering a vehicle
  • When you acquire a driver’s license

In order to ensure a driver always meets the requirements for financial responsibility, the state of Texas also requires an auto insurance company to give a report weekly to an identification system that lists a vehicle identification number (VIN) for all vehicles that are insured under a policy.

If proper auto insurance isn’t acquired under Financial Responsibility law, you could incur fines or have your licensed revoked. If a driver has been convicted with failing to acquire the proper insurance, he or she must pay a surcharge fee of $250 every year under the Texas Driver Responsibility Program. The fee is an additional one on top of any other costs due to the driving offense; he or she must also pay this surcharge for three years, no less.

Certificate of Financial Responsibility

In some cases, he or she may also need to file an SR-22A or SR-22. This is known as a Certificate of Financial Responsibility and is sent by an auto insurance company to the Texas Department of Public Safety upon acquiring liability insurance. The certificate proves that the auto insurance was purchased. Sometimes, a driver will need to purchase this form in order to get back their license, especially after being convicted of one or more of these offenses:

  • Driving without a license
  • Driving with a suspended or invalid license
  • Drug offense
  • Driving under the influence
  • Multiple tickets for lacking liability insurance

Texas Auto Insurance Requirements and Common Coverage

Bodily Injury Liability

This covers expenses due to injury or death of a pedestrian or driver when you are at fault. Minimum is $30,000 a person/$60,000 per accident, and the average Texas auto insurance coverage is the same.
Property Damage Liability: This covers expenses for having damaged someone else’s property in an accident that is your fault. Minimum and common coverage is a $25,000 limit.

Uninsured / Underinsured Motorist

This covers any medical expenses when the other driver is at fault but lacks insurance. It is grouped together with underinsured motorist auto insurance, which covers your expenses if the at-fault driver has auto insurance but is inadequate. This is not required, but it’s common to acquire a $25,000/$50,000 policy.

Medical Payments

In the event that you or a passenger has been injured in accident, this auto insurance coverage handles any medical or funeral expenses. It is not required, but most require a $2,000 limit policy.

Personal Injury Protection

If you or a passenger has been injured in an accident, this policy will cover the medical bills and related expenses, such as the continuation of income. It is not required, but many acquire a $2,500 limit policy.


This covers the repair or replacement of your damaged vehicle. It is not required, but many seek a policy with a $500 deductible.


This covers expenses for damages due to thefts, storms or similar non-collision incidents. It is not required, but most seek a policy with a $500 deductible.

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What You Should Know About Auto Insurance in Texas

Texas law requires that drivers are able to cater for any damages and injuries from an auto accident they caused. Liability auto insurance coverage helps the at-fault drivers are able to pay medical expenses of the victims as well as to cater for the repair or replacement of the other driver’s car; but it doesn’t cover your injuries or damage to your property. Therefore, while Texas only requires you to have liability insurance, it is critical to have other auto insurance options in order to protect yourself financially. Some of these policies include collision, comprehensive, uninsured/underinsured drivers, as well as towing and labor coverage.

Most people purchase liability insurance just to meet financial responsibility law requirements. Now, if you bought liability insurance just to comply with the law, note that Texas requires that your policy should meet the following minimum limits:

  • $30,000 for each injured person
  • $60,000 per accident
  • $25,000 for property damage per accident

As a driver, your insurer will issue you with a proof-of-insurance card, which is a proof of financial responsibility. You can use the card in various situations, such as when you:

  • Have an accident
  • Get or renew your driver’s license
  • Are asked for it by a police officer
  • Register your car or renew its registration

Now, there are penalties that may befall you when you fail to comply with state’s financial responsibility, which are:

  • For the first offense, you are charged a fine of about $175 to $350
  • For additional offenses, you are charged a fine of $350 to $1,000, your driver’s license is suspended, or your car is placed into an impoundment lot.
  • If you are caught violating the financial responsibility law and without a driver’s license, then you are charged a fine of $2,000 maximum fine, or 180 days in jail, or both
  • If you caused an accident that led to serious injuries or death, you are charged a fine of $4,000 at maximum, one year in jail, or both.

Know Your Rights

It is important that you read and understand your rights as laid down in the Consumer Bill of Rights for auto insurance. Texas requires that your insurer send you a copy of such with your policy. Read it to understand your rights under Texas law, but if you are not able to understand every clause in the policy, be sure to consult a professional.

Auto coverages vary from company to another. Therefore, it makes sense to shop around. You can find the best auto insurance policy for your money by following these little-known tips.

Know what type of coverage that fits your needs

While auto insurance policy with higher deductibles allows you to pay less in term of premium, should you have a claim, and then you will have to pay more out your own pocket.

Get price quotes from several auto insurance companies

The price quotes should be for the same insurance coverage. In Texas, it is a requirement that you give the correct information when applying for auto insurance. Giving wrong details could lead to denial or cancellation of the coverage.

Review your credit score

This is because, most insurance companies will use your credit scores to decide what rate to charge you. Therefore, it makes sense to review your credit score annually and correct any error.

Buy the coverage from a reputable company

Your insurer must be licensed, have a good financial rating, offer reasonable price and good customer service. Checking their complaint index will help you know how they treat their customers. It is against the law to sell insurance without a license in Texas.

It is advisable to consult a professional whenever you want to buy an auto insurance policy.

What you should know about auto insurance rates

While auto insurance companies set their own rates, they have to file them with Texas Department of Insurance (TDI). The rates should be reasonable, not discriminatory, and adequate, as well as not excessive. Texas law does not require auto insurance companies to get prior approval before using their rates. However, if TDI establish that a company charged excessive rates on their policies, it has the power to make that insurer give refunds.

Various factors can affect your auto insurance premium. Every company that sells auto coverages in Texas is required by the law to file its underwriting guidelines with TDI and should update their policies each time they make a change. These underwriting guidelines help companies decide whether to sell you a policy and at what rate. Some of the factors that these companies will use to set their premiums include:

  • The age and marital status
  • Your driving record and claims history
  • Where you keep your car—whether in the city or rural: People who live in cities get higher premiums because they have more auto thefts and accidents.
  • The type of the car you have
  • Your car’s primary use
  • Your credit score

Getting the right auto insurance starts with knowing coverage requirements in your state. Look for an agent to help you understand the different types of auto insurance policies available in Texas and determine which one that best suit you.

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The Texas Consumer Protections for Auto Insurance

Texas is one of the few states that has a legitimate Consumer Bill of Rights geared specifically for the auto insurance industry. This is definitely a state that protects its own! However, you must be in compliance with the state auto insurance policy if you plan to take advantage of the rights that you are afforded in the Bill of Rights. Here are the standards that will need to uphold in order to fully appreciate the protections that the state of Texas gives you against any unscrupulous auto insurance company.

State Minimum Coverage Requirements

Taking full advantage of the Texas Consumer Bill of Rights for the auto insurance industry means staying in compliance with the state minimum coverage requirements for auto insurance. The minimum auto insurance coverage levels are subject to change, so you should check the state website every year in order to keep up with the latest on this issue. Currently, every resident of the state of Texas is required to have a minimum of $30,000 of personal liability insurance, $25,000 of property damage insurance and $60,000 of total protection per accident.

Keep in mind that these minimums are not set by the cost of health insurance or any other expense that you may incur if you get into an accident. If the limits of these minimums are reached, you will be expected to pay the remainder of the expenditures out of pocket. This should be especially concerning if you have additional drivers on your auto insurance package, especially new drivers such as teenagers.

Keeping Proof of Financial Responsibility on Hand

It is also the responsibility of every driver in the state of Texas to keep proof of an auto insurance coverage package on hand in certain situations. In order to be eligible to receive all of the rights in the Texas Bill of Rights as concerning the auto insurance industry, you must be able to produce your auto insurance card if you are asked for by an officer, when you go into renew your registration, if you get into an accident, if your car is being inspected and if you are obtaining a new or renewed drivers license in the state.

Different Types of Auto Insurance Coverage Packages in Texas

All responsible driver should have an appropriate amount of auto insurance coverage when they drive. There are many different types of auto insurance packages to consider. The coverage packages below are the main distinctions that must be adequately covered in order to maintain your protections under the Texas Consumer Bill of Rights for the auto insurance industry.

First of all, you must have a policy for all of the potential drivers of your vehicle. If there is more than one driver in your household, then it is definitely in your best interest to create an auto insurance policy that covers them all. You never know when someone may take your car out for a joyride and get in an accident. If that driver is not covered by your auto insurance policy, a simple joyride can turn into a very expensive and debilitating burden on an entire family within a matter of seconds.

You can also negotiate your policy in order to protect yourself from drivers whom you do not want driving your vehicles. This is known as an excluded driver coverage package. In this coverage, you will actually point out the people with whom you do not wish to be legally associated. If that person somehow drives your vehicle and gets into trouble, you will not be held legally responsible for any accidents that person gets into; otherwise, you might be in legal hot water simply because that person was driving a vehicle that you own.

Your coverage package must also include liability, collision, comprehensive, medical payments protection, uninsured drivers protection and personal injury protection coverage in order to be truly responsible in the state of Texas.

Liability damages will cover the civil expenses that occur from injuries that you cause in an accident including rental vehicles for the other party and any punitive damages that a court may award the opposing party.

Collision and comprehensive insurance coverage packages are usually only required if you have bought your car on a loan. They are sometimes not required for cars that do not have liens on them. Collision insurance pays for the cost of fully replacing or repairing a car after an accident. Comprehensive insurance pays the cost of replacing or repairing a car if it undergoes damage because of a weather condition or an act of God. Comprehensive coverage protects you in all other instances outside of a collision.

Medical payments coverage is an especially important type of coverage to have with the rising cost of health care. This is the part of coverage that will pay for medical and funeral costs that arise out of an accident no matter who is at fault. In most cases, everyone in the car, including uninsured passengers, will be insured under this coverage.

Personal injury protection adds to medical payments coverage. If you are the only breadwinner in a household, then it would definitely benefit you to have the additional features that personal injury protection adds.

Finally, uninsured motorist coverage protects you if the other driver does not have insurance.

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Things to Know Before Applying for Auto Insurance in Texas

It is illegal in the state of Texas to drive around in a vehicle without auto insurance. Even certain sport and recreation vehicles will require some type of insurance in order for you to be covered while having fun or simply getting from one point to another. Many people struggle to find the best auto insurance for their needs because of sky-high rates and being declined coverage due to a poor driving history. There are quite a few things you may want to know before applying for auto insurance in Texas. Understanding how the auto insurance industry works and what you might expect from your coverage will help you to find a policy that works well for you.

The Factors Contributing to Auto Insurance Rates and Approval

There are a variety of factors that can contribute to the amount you’ll pay for auto insurance coverage as well as how easily you will be able to receive such coverage. Keep in mind that there are dozens upon dozens of auto insurance companies located in and around Texas, so you have a range of different companies to go to if one is not appealing enough to you or their rates are too high.

One contributing factor that you’ll want to look out for would be the specific type of vehicle that you’re driving. If you drive around in a sports car or two-door vehicle, your auto insurance may be higher than someone who drives around in a crossover or basic sedan. Also, your specific age and even gender may affect the amount you’ll be paying for your auto insurance. Younger men tend to pay more for their auto insurance just because of the fact that auto insurance companies see them as more of a liability than older folks or women of the same age. Even though this may seem a bit odd to many people, this is, unfortunately, how many auto insurance companies base their rates.

Your driving history and even credit score may be taken into account when you’re applying for auto insurance. If you have a history of getting into accidents that were almost always caused by you or if you have lots of tickets for various vehicle-related reasons, your auto insurance policy and rates will probably be through the roof. Auto insurance companies will see you as more of a liability than someone who has a clean driving record. These companies can easily and incredibly quickly pull up any and all driving-related offenses that you have had in the past, so it is best not to lie about these things when you’re applying for the insurance.

The amount that you drive your vehicle is also going to put an impact on how much you’ll be paying for your auto insurance. If you state on the application form that you only drive your vehicle for recreational purposes, you’ll pay a lot less than someone who states that they drive their vehicle daily for work and commuting purposes. The company sees someone with a recreational use car as a person who barely uses their vehicle and is less of a liability than someone who constantly has their vehicle out on the road.

The Application Process

For those living in Texas, there are quite a lot of options available to you concerning your application for auto insurance. Most people nowadays will apply for their auto insurance on the Internet to get the job done quickly and from the comforts of home. Others still like to visit local auto insurance offices so that they can sit down with an agent and discuss the different plans, coverage options and policies that they might like to have for themselves. In general, the way that you apply for your auto insurance doesn’t matter so long as you’re going with the right company.

You should expect to pay several hundred dollars for your auto insurance policy that lasts about six months, and this payment can be divided up per month so that you are paying a lot less for it. If you have a poor driving record or have a vehicle that is considered a sports car that is used frequently, your policy may be higher than other people’s. Before you apply for the insurance policy, you may be able to get a free quote on how much the coverage is going to cost you before you even commit to anything.

Your auto insurance is so important when you live and drive around the great state of Texas. Too many people try to forgo auto insurance and they wind up getting tickets or getting into accidents that are not at all covered. Auto insurance can protect you and other drivers in the case that something happens while you’re out on the road driving around for work or leisure.

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Young Drivers and Auto Insurance

Most adults recognize the importance of obtaining auto insurance. Whether they were the victim of a traffic accident or the cause of one, they know that the auto insurance helped them to avoid some hefty fees. When parents start to see their children venturing out on to the road, they know they have some new obstacles to overcome with car insurance.

Adding Teen Drivers to an Existing Policy

Evaluating the costs is one of the issues that appears when teenagers begin to drive. In Texas, they are required to obtain auto insurance. In some cases, parents add their teenagers to their existing policies. Naturally, this action makes the price of the auto insurance policy rise. However, having all of the policies bundled together is usually less expensive than maintaining separate auto insurance policies. The issue arises when parents need their children to pay for their own insurance. Parents who are paying for their children’s insurance will likely want to opt for a bundled insurance plan. Those who are not should consider alternatives.

Expect High Rates

At some point, you may have looked at your own policy and wondered where all of the costs associated with your auto insurance payment come from. However, you should not expect that your children’s policy rates are going to be lower than yours. In fact, younger drivers generally have higher rates because they are considered a more at-risk category. Speak with your auto insurance provider to find out at what age that designation is dropped. Knowing that a discount will eventually arrive sometimes helps to make larger payments seem less irritating now.

Paying for Their Own Insurance

If parents add their children to their own insurance policies, they must trust that their teenagers will pay them the money for the plan. If they don’t, then the parent will have to make the decision to pay the auto insurance themselves, or they will need to tell the teenager that he or she cannot drive anymore. In the former situation, the parent is not teaching the child responsibility about paying for his or her own auto insurance.

Discounts for Good Drivers

Explain to your children the importance of maintaining a good driving record. They will likely notice this impact more if they are paying for their own auto insurance plans. Essentially, many companies offer a discount to individuals who maintain a good driving record. However, teenagers do not have the experience behind them to show the maintenance of such a record. Usually, it takes a few to several years to build up the credibility needed to secure this discount. Teenagers who are paying for their own auto insurance will likely be eager to obtain the discount and to keep more money in their bank accounts and for recreational activities.

Discounts for Good Students

If you’ve been begging your children to start paying more attention to their studies, your auto insurance plan might be just the way to meet that goal. Many auto insurance companies provide discounts for students as long as they maintain good grades. Let your children know that hitting the books more often is a way for them to save money and to have a better chance at obtaining that scholarship they so desperately want. Different auto insurance companies have various policies. Some will require higher grade point averages than others.

Look into Different Affiliations

For yourself, you can check to see if the place that you work for makes you eligible for any auto insurance discounts. If your children have a job, you can do the same for them. Furthermore, you should find out if the college or university that they attend offers any discounts to students at the school. Sometimes, maintaining membership in an organization or club allows people to receive discounts on their auto insurance too. Keep in mind that such discounts are not active 100 percent of the time. Adding them to your account, however, can ensure that you receive them when they do become active.

Promote Good Driving Habits

As you can see, a number of auto insurance discounts have to do with how well the driver operates the vehicle and how safe of a driver he or she is. Helping your children to maintain good driving habits is important. While no one likes to be labeled as a backseat driving, sometimes it is necessary in order to ensure that your children are driving safely. Also, speak to them about intoxicated driving. Let them now that you are available to give them a ride. This point is not important only for auto insurance, but for life as well.

When your teenagers finally obtain their license, you likely feel some sense of relief that you no longer have to cart them around, but you also may feel anxiety about topics such as auto insurance.

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