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Driving is considered a privilege. Any driver who has an accident must have the means to compensate for damages or injuries caused to anyone else. Having car insurance is an essential investment for all drivers. The costs of a car accident can add up quickly and exceed a person’s ability to pay. Some people have been forced to sell all their assets and file for bankruptcy protection. People lose everything because they did not have auto insurance, so it is necessary to have sufficient auto insurance coverage.
Minimum Requirements Car Insurance Texas
Every state in the U.S. requires some proof of financial responsibility for drivers in case of an accident. The majority of states require drivers to carry liability insurance. Each state has a legally-required minimum coverage amount that must be perfect. The required minimum liability direct line car insurance coverage for Texas is 30/60/25.
30/60/25 means drivers must carry a policy with at least $30,000 coverage for bodily injury to one person in one accident. Combined ($60,000) bodily injury coverage for every accident with multiple victims. Property damage insurance is worth $ 25,000. Coverage limits for Texas drivers are higher than some other states. Although they are still much lower than you need for adequate protection when operating a vehicle.
Additional Types of Coverage
Direct Liability insurance only covers damage that a driver does to someone else. This means having liability only auto insurance policy provides no insurance protection against damages to you or your vehicle. Most Texas drivers opt for a full coverage auto insurance. That includes liability, collision, and comprehensive insurance.
Something else that is very noteworthy about Texas is that some people estimate over 30% of drivers are either uninsured or underinsured. Therefore, it’s sagacious to consider purchasing UIM – uninsured/underinsured motorist – coverage also. Some other popular types of personal injury protection (PIP), medical payments, and GAP insurance.
Texas Auto Legislation
Texas is taking an aggressive stance on drivers who use mobile devices while operating a vehicle. The state has submitted at least 15 new bills to address driving and texting, right now under consideration in the legislative session for 2018. Many Texas cities are enacting laws that will carry fines from $200-$500 if it violated.
In San Antonio, texting and driving are banned, and officers began giving tickets out in January of 2015. The city of McAllen has a similar prohibition, with fines up to $300, and Alvin. TX started ticketing drivers on March 2011 until 2017 for texting and cell phone usage while in school zones. Missouri City, TX, has enacted similar laws.
Average Rates Car Insurance Texas
Direct Car insurance can be expensive. Although drivers have some say in determining their insurance rates by driving safely and choosing cars with demonstrated safety records. Direct line car insurance costs in Texas are (on average) slightly higher than the average cost of auto insurance nationwide running around $1,470 a year for most good drivers of typical vehicles.
Factors Affecting Auto Insurance Premiums
Many factors affect auto insurance rates. It’s a good idea to know what they are so that you can use them in your favor if possible. While some factors cannot be changed, such as age and gender, you can take advantage of car insurance discounts. Consider improving your credit score before shopping for auto insurance.
Auto Insurance Rates Vary
Drivers can also save money by paying attention to the vehicle they buy and even opting for a model a year or two old. Auto insurance rates vary depending on which provider you speak with. There are many variables in play that result in auto insurance quotes often being vastly different from one car insurance company to another. You must shop around and compare auto insurance companies if you want any chance of finding the most affordable rates.
Monthly Cost Car Insurance Texas
Car insurance Texas is relatively reasonable. The cost keeps dropping each year in part due to safer cars, stricter drunken-driving laws, and general improvements in driver awareness and behavior. Auto insurance in Texas costs drivers an average of $135 per month, which is just above the national average monthly premium of $135.92.
Best Rate Auto Insurance Texas
Every driver has a unique set of circumstances. Every auto insurance company uses its own internally developed methods for pricing insurance policies. There is no particular insurance company or auto policy that works for everyone.
What makes sense is finding the best Direct car insurance that fits your unique circumstances. When shopping for insurance, it is important do not get fixated on price alone since the cheapest policy is not always the best policy.
Before shopping know what coverage limits you want and need, which types of auto insurance coverage makes sense for you, and which discounts should apply to your situation. Don’t be afraid to ask an agent for every possible discount, and shop around to several insurance companies so that you have plenty of quotes to compare.