Texas Car Insurance – Auto Insurance Quotes in TX
Anyone currently shopping for auto insurance in the state of Texas will be pleased to know that MyCarInsuranceRates.com can provide multiple rate quotes from several of the best auto insurance companies all at once. Through us, you can let the auto insurance companies compete for your business, review and compare policies, and purchase cheaper car insurance in minutes.
In addition, we have provided Texas insurance requirements, liability coverage information, discounts, laws and regulations, so consumers are prepared when it comes to finding a more affordable car insurance policy. Enter your zip code to begin getting car insurance quotes and find cheap Texas car insurance.
Texas Car Insurance Requirements
The Tort system is used in Texas in the event of an accident and claim. With the Tort system, a driver will be found at-fault in a collision and will then be responsible for handling damage expenses through their auto insurance company. It is also mandatory to have car insurance while driving; failure to do so can result in a fine ranging from $175 for the first offense, up to $1000 for multiple offenses. With multiple convictions, your driver’s license may also be suspended and your car could be impounded.
To avoid this risk, Texas drivers should consider finding affordable auto insurance quotes through MyCarInsuranceRates.com. We have auto insurance plans that can be customized to suit your coverage requirements and budget.
Understanding Texas Car Insurance Liabilities & Coverage
The state of Texas mandates 30/60/25 coverage. This means that there is a minimum bodily injury liability limit of $30,000 per injured person and a total of $60,000 per accident, including medical expenses. Any property damage needs to be covered by at least $25,000 of coverage, protecting against public and private property repairs and claims. This liability limit was just increased, effective January 1, 2011.
Texas Insurance Coverage:
- Bodily Injury Liability: $30,000/$60,000 Limit
- Property Damage Liability: $25,000 Limit
In addition, the state of Texas offers uninsured/underinsured automobile insurance coverage in the event that you are involved in an accident with a driver who doesn’t have enough insurance coverage. With the discounts and savings through MyCarInsuranceRates.com, this additional cover is now a realistic and recommended option.
Texas Car Insurance Laws & Regulations
Proof of insurance is required in Texas and must be in the vehicle at all times. If you fail to comply with this law, the first offense will result in a fine of $175 up to $350. A second conviction may result in license suspension and a fine between $350 and $1,000. There is an annual surcharge of $250 a year imposed on anyone who is convicted of failing to maintain financial responsibility (proof of car insurance). This surcharge is assessed for 36 months following a conviction. Failure to pay will also result in suspension of your driver’s license. These charges are in addition to other reinstatement and administrative fees charged by your car insurance company.
Average Texas Car Insurance Rates
Premiums in 2010 in the state of Texas were an average of $126.50 per month or $1,518 per year. This is slightly lower than the national average of $128.17 per month or $1,538 per year. With prices dropping, now is the time to find out if you can save money with your car insurance policy.
MyCarInsuranceRates.com can help find competitive premiums that are likely to beat your existing policy’s rates. For example, if your current rates are higher than the 2010 averages, an auto insurance rate comparison through us will benefit you and may save you hundreds of dollars a year.
Texas Car Insurance Quotes
In 2010, car insurance rates were 16% lower in the state of Texas than they were in 2009. If you purchased your insurance policy before this time and your rates have not decreased, you should consider getting your policy updated to save money.
MyCarInsuranceRates.com makes this process simple; just enter your zip code and get multiple car insurance quotes from the top best car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance. It is truly easy to compare rates on different coverage plans to find the best, affordable car insurance for you.
Enter your zip code to begin a car insurance quote now and start saving money with cheap Texas car insurance.
