Cowboy hats are not the only thing that’s big in Texas. So too are most people’s auto insurance rates. If you have been shopping around at all, you already know that finding cheap car insurance in Texas (TX) can be a real challenge. But fear not – there are solutions available.
The first step is to compare rates from several insurance companies. Dozens of insurers are competing for your business in Texas, so it really pays to shop around. You can get instant quotes from all the major insurance companies instantly by simply typing in your zip code in the form above. You will then be presented with a list of the best discount insurers in your area. Just click on one or more of the companies presented to get a rate quote and you will be well on your way to getting cheap car insurance in Texas.
Under Texas state law, all drivers must maintain minimum liability coverage of $25,000 for each injured person with $50,000 maximum per accident. You will also need to carry $25,000 in liability coverage for property damage. These higher limits went into effect on April 1, 2008 which has made it harder for drivers to obtain cheap car insurance in Texas. Even with these higher limits, however, Texas law states that it is your responsibility to pay in the event of an accident. If your insurance policy does not cover the costs, they come out of your pocket which can get expensive very quickly.
Texas drivers pay an average of $1,888 for their car insurance in 2009, which tops the national average of $1,780. After declining since mid-2009, insurance rates have started to climb once again, making this an excellent time to shop for cheap car insurance in Texas. Auto insurance premiums in Texas have increased 14% in 2009, as compared with 2008 rates. That follows an increase of just 1% in rates from 2007 to 2008.
You must have proof of insurance before you can register your car in Texas. Uninsured drivers face steep fines, so it’s always better to buy cheap car insurance in Texas than to do without. Even vehicles that re non-operational must have insurance, so make sure your policy is up to date if you are planning on selling your car. Without it, you won’t have clean title.
The state of Texas maintains a point system for drivers. Some violations such as not wearing a seat belt or speeding less than 10 percent over the limit does not result in points on your driving record. Beware, however, that if you violate child safety laws the points can add up quickly. Drivers in Texas do not need many points on their record before you start to get costly fines and possible suspension of your license.
Insurance companies look at the points on your driving record when calculating rates. So if you want to get cheap car insurance in Texas be sure to have as clean a driving record as possible.
To start saving on your Texas auto insurance, just enter your zip above and we’ll instantly connect you to great local carriers who can save you money.