Texas Auto Insurance

A Texas auto insurance policy is a necessary financial product for all car owners in the Lone Star State to carry. Having a serious car accident can change your life. If you are seriously injured your earning potential and quality of life may be affected. If you are sued because you are at fault, you can be financially ruined. Good Texas auto insurance can protect you from such risks. For these reasons and others, you should learn all you can about the different Texas car insurance policies available in order to get the best plan possible.

7 Types Of TX Car Insurance

There are many different types of coverage offered under the broad umbrella of car insurance. Understanding what each type actually covers is very helpful to anyone shopping for car insurance.

1. Liability: covers the bodily injury and personal property damage of the other party, up to the limits of your policy, when you are at fault in an accident.
2. Uninsured Motorist: would pay for medical expenses if you were involved in a car accident with an at-fault driver who did not carry insurance.
3. Underinsured Motorist: pays the difference for medical expenses that are not covered by an at-fault driver who does not carry sufficient limits on his insurance policy.
4. Collision: covers physical damage to your vehicle if you are at fault in an accident
5. Comprehensive: covers physical damage to your vehicle if you suffer a loss due to something beyond your control like fire, windstorm, burglary, animal collision and other named perils.
6. Medical Payments: covers all medical expenses that result from an accident for you, your passengers or family members, no matter whose fault the accident was. It also covers pedestrian/cyclist-car accidents.
7. Personal Injury Protection (PIP): will pay medical expenses like medical payments would and also provides a portion of your lost wages and caregiver expenses, no matter who is at-fault in the accident

Getting The Best Texas Auto Insurance Coverage

If you are looking for Texas auto insurance, it is important to know that the recommended and most common limits of coverage for liability insurance is much higher that what the state actually requires. Texas states that you must carry limits of 25/50/25, meaning $25,000 coverage per person for bodily injury liability, $50,000 coverage per accident in total for bodily injury and $25,000 personal property damage liability. Most companies quote and recommend 100/300/100, which is a much more reliable limit of coverage to carry.

In addition, you will need to know whether or not you should carry additional types of insurance. By understanding what each covers you can weigh the pros and cons of whether or not to carry each type. In regards to collision and comprehensive coverage, you may need to carry them to satisfy your lien holder, if the vehicle is financed. If the car is older, has depreciated significantly and you have no loan on it, you may want to opt out of collision and comprehensive insurance.

Finding Savings on Texas Car Insurance

When you are looking to buy Texas car insurance you will certainly be looking for ways to save money on it at the same time. Luckily there are a lot of ways to save on car insurance.

1. Shop around extensively and compare a variety of quotes.
2. Ask for discounts on the premiums you were quoted. Many companies offer extra discounts for a variety of things and by asking you may find ones that you are eligible for or ones that you can easily become eligible for.
3. Raise deductibles on collision and comprehensive coverage.
4. Maintain a good driving record.
5. Keep good grades. Many companies offer discounts to students with good grades.
6. Buy cars that are cheap to insure.
7. Maintain a good credit score

Shopping Around for the Best Texas Car Insurance Quotes Online

When you are ready to start shopping around for Texas auto insurance, you can do so by going to the top of this page and using the quote tool you will find there. Simply click in the box, enter your zip code and honestly answer the questions you are asked. In no time you will have a variety of quotes from top Texas insurers to compare.

Make sure you learn all you can about the company, as well as the price. Check out the company’s insurance rating given by the independent insurance ratings companies like Standard and Poor’s to learn about the insurer’s financial stability. Check their customer service record with a quick and convenient web search. Get information on your side when shopping for insurance and you can feel comfortable knowing that your choice of Texas auto insurance is the best one for you.

Get started comparing cheap TX car insurance quotes now!