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Texas Auto Insurance

Texas car insurance is required on any vehicle you operate on the road in the state. Vehicle insurance may also be purchased for any car that you store without using. Getting car insurance on any vehicle you own will protect you from financial hardship in the event that something happens to your vehicle or you cause damage to someone else’s vehicle. Not only is it in your best interest to buy auto insurance, but it is also the law. Failing to purchase car insurance in Texas may lead to legal penalties if a law enforcement officer finds you driving an uninsured vehicle. Many forms of cheap auto insurance exist for you to choose from when you buy a vehicle. It is helpful to compare auto insurance rates before you buy a policy to get the best deal. In the sections below, learn what the Texas car insurance requirements are, how to find insurance and how to get the best car insurance for your needs.

Texas Auto Insurance Requirements

Texas has certain vehicle insurance requirements intended to protect you and other drivers. Whether you obtain the cheapest auto insurance plan or choose a plan with a higher rate, you can meet these requirements. Texas car insurance must include liability coverage of $30,000 for each injured person, up to $60,000 coverage per accident and property damage coverage of $25,000 per accident. This is known as 30/60/25 insurance coverage. These minimum amounts do not necessarily protect you from paying extra if there is damage to your vehicle though. For full coverage car insurance, you may wish to obtain a plan that covers collisions, medical payments or other comprehensive coverage items. Plans also exist for vehicles that you keep in storage rather than driving. If you cancel your auto insurance policy for a stored vehicle, then you are still responsible if anything happens to the car or your car causes any damage.

Another car insurance requirement in Texas is that you must be able to prove you have insurance. A vehicle insurance card must be shown anytime a law enforcement officer stops you on the road. The officer will check your information in an online car insurance database run by the Texas government called TexasSure. The program includes a full list of all insured vehicles. TexasSure requires that all insurance companies report all newly-insured vehicles so that they can be added to the database. If you keep your original auto insurance policy after moving to Texas from out of state, then it is important to be aware of the database. It is your responsibility to make sure your company reports your policy to the database.

Why do I need to get Car Insurance in Texas?

When you buy car insurance in Texas, it protects you from paying many expenses in the event of a car accident. However, buying auto insurance also protects you from legal penalties. Failing to have car insurance can lead to:

Paying for auto insurance rates in TX may seem costly, but it is in your best interest to never drive an uninsured vehicle. Many discount auto insurance policies and cheap car insurance plans are available that will help you meet the minimum liability insurance requirements.

How to Get Car Insurance in Texas

To get vehicle insurance in Texas, you may contact insurance companies directly. You can also search for online car insurance rates to get a better understanding of what you will pay. If you want to know the answer to the question, “How much is car insurance?” then the best way to obtain quotes is from several different companies before choosing a plan. You may also choose to self-insure your car through the Texas Department of Public Safety.

Car insurance rates in Texas vary greatly based on a number of factors. To determine car insurance prices, your insurance company will take the following into account:

If your car insurance cost is too expensive, then you can compare other cheap auto insurance quotes in Texas to get a better rate. Your car insurance costs will change over time and you may qualify for certain discounts later on if they do not apply to you yet. Rates may also change when you get older, buy a different type of car or improve your credit score. Before buying a plan, remember to compare insurance rates first.