Before you take your car out on a Texas road, you must make sure that you have at least the minimum amount of coverage required by the state. Texas auto insurance laws protect all drivers as well as the passengers in their vehicles and pedestrians. If you cause an accident, your policy will pay out to those injured and cover any property damage that occurred in the accident. Texas laws ensure that you get paid for accidents that others cause too.
Unless you have auto insurance, the state will hold you financially responsible for any accidents that you cause. You need a policy that pays out up to $30,000 to cover each person injured in the accident and up to $25,000 for any property damage. The policy must also pay out up to $60,000 total per accident. These figures are the bare minimum though. You have the option of adding more coverage to your policy. Once you pay your policy, the insurer will send you a card that shows proof you have insurance. Many insurance companies now let you download a copy of that card to your phone and print off a copy at home.
Other Types of Insurance
In addition to liability coverage, you can also look at other types of insurance to add to your policy. Gap insurance is recommended for many people buying a new car and for those financing the purchase of a car. If you're in an accident that totals your car, your insurance will give you an amount based on the value of that vehicle. With gap insurance, your policy will cover any discrepancy between the value of the car and the amount that you owe. You can also opt for full coverage insurance that covers any damage done to your car.
What Determines Your Policy Price?
Texas auto insurance providers ask you a series of questions when you apply for a policy, and your responses determine how much you pay. Most insurers offer cheaper policies to those with a clean driving record and those who drive newer cars with more safety devices. Your age, where you live and the type of car that you drive will also play a role in how much your policy costs.
Finding Cheap Auto Insurance in Texas
The best way to get cheap insurance is to compare multiple Texas auto insurance quotes. Talk to one of our insurance agents today to see how much policies from leading insurers will cost and what you can do to lower your rates. Changing your deductible or adjusting the type of insurance you have can reduce your total costs. Many insurers now offer discounts for those who pay for six or 12 months of coverage upfront as opposed to monthly payments. To get the best auto insurance in Texas, work with an agency like ours who can answer all your questions and help you find a plan that meets your needs and budget.