Texas Auto Insurance – Texas Car Insurance Quote
Right of the bat – If you are driving or plan to drive in the state of Texas, you are required to have a minimal amount of auto liability coverage. So if you are looking for a Texas car insurance quote, read the following information very closely.
In Dallas, we have a large number of people being stopped, or during an accident that do not have adequate auto coverage (about 25% of autos are driven without automobile insurance). It is very important to know the laws of the land (Texas) when searching for car insurance quotes. Do not rely only on price of an insurance policy when you are obtaining your Texas car insurance quote. Good insurance does not necessarily have to be expensive, but remember “you get what you pay for”.
Your car insurance quote should include basic auto liability coverage. In Texas, the policy should contain at least $25,000 per person for bodily injury, and $50,000 per accident for bodily injury. It should also contain at the very minimum, $25,000 per accident for property damage (most commonly referred to as 25/50/25). This liability coverage has been raised from the previous amounts of $20,000/$40,000/$15,000 (20/40/15) just a few years ago.
Keep in mind during your search for a Texas car insurance quote, this is the minimal liability auto coverage required. There are quite a few vehicles that if damaged or totaled, will cost more than the 25/50/25 auto liability requirement. The insurance company will pay up to this amount; unfortunately you will be responsible for the remaining costs. Therefore; you may consider increasing your liability limits if you can afford to do so. This will result in an increase in your auto insurance quote.
If you desire coverage that will repair or replace your vehicle that is involved in a motor vehicle accident, you must add comprehensive and collision coverage to your liability policy. This coverage is required by most finance companies if you are financing or leasing your vehicle. This is done to protect the finance company against a lost if the vehicle is involved in an accident. This will also raise your car insurance quote. Caution: “Only purchase an auto quote that is affordable so that you can maintain the payments”.
There are things that you can do to lower your rates when searching for your Texas car insurance quote. It may be reduced if you are eligible for certain discounts. Some insurance companies will give discounts to its customers under certain conditions. These discounts include, but are not excluded to: multiple car discounts, an additional policy such as renters, homeowners, etc. Customers that are married tend to get a cheaper auto insurance rate, and a state approved defensive driving course completion also renders a discounted rate for most Texas auto insurance companies.
Other ways to obtain a cheaper Texas car insurance quote is by speaking to a Texas independent insurance agent, this may be the most important step to take that may save you quite a bit of time and money when looking for a car insurance quote. An independent agent can search their portfolio of insurance companies and find the rate that is more affordable for you and one that meets your needs. A variety like this is not possible with an agent who represents only one insurance company. This means that this type of agent is limited in what they can offer when giving you a car insurance quote.
Searching online for car insurance quotes is another way to obtain multiple quotes from different companies. By doing so, you may be able to get a cheaper rate. If you chose to do this, you need to have some knowledge in the various coverages that are available and also what is required by law. If you have any doubt, contact an independent agent for assistance with your Texas car insurance quote.
Source : http://ezinearticles.com/?Texas-Auto-Insurance—Texas-Car-Insurance-Quote&id=3926316