Auto Insurance Texas

Texas drivers are required to have auto insurance. The drivers need to have a proof of insurance in the vehicles always. The laws have must be complied with to help reduce the rate of accidents on the roads thus reducing the costs of insurance. Compliance with the laws helps in keeping roads safe and also saves time from unexpected traffic stops occurrence.

The proof of auto insurance is a must for car inspection, registration and driver license transactions. Drivers found driving without the insurance, risk being fined up to 350 U.S dollars and those found repeating the offense could end up losing their driving license for up to a year. Provision of proof of your insurance cover has been simplified through the use of the digital proof of insurance whereby it can be easily accessed by smartphone, tablet or any other digital device. The vehicle and insurance details verification is carried out using a statewide database called TexasSure. The database helps in identifying those without insurance coverage. The factors behind Texas Car Insurance rates include age, the driving experience, and the driving record of your claim history.

Other factors include:

  • The claimer’s ZIO code.
  • The car’s make and model.
  • The number of times the claimant drives their car.
  • The claimer’s insurance history.
  • The claimer’s credit-based insurance score to be used in calculating the premium.

The circumstances under which you may be required to provide insurance proof include:

  • During vehicle registration.
  • During issuing of the driver’s license.
  • When requested by the law enforcement officer during an accident or at a traffic stop.

It was reported by the Insurance Research Council in the year 2012 that 13.3 percent of drivers in Texas were driving without a car insurance coverage. The percentage went above the national estimate that was at 12.6 percent.

The cancellation of the insurance policy can occur if you have a policy for 60 days or more. The policy can be canceled by the insurance company if you don’t pay premiums, if you fail to file a fraudulent claim or if your driver license or registration is suspended.

Requirements for obtaining auto insurance in Texas

  • Property Damage Liability; the minimum legal requirement is 25,000 U.S dollars.
  • Bodily Injury Liability; the minimum legal requirement is 30,000 U.S dollars per individual and 60,000 U.S dollars per accident.
  • Uninsured Motorist Bodily Injury; the minimum requirement is 30,000 U.S dollars per individual and 60,000 U.S dollars per accident unless one rejects the coverage.
  • Uninsured Motorist Property; the minimum legal requirement is 25,000 U.S dollars and a 250 U.S dollars that is deductible unless one rejects the coverage.
  • Personal Injury Protection (PIP); the minimum legal requirement has been placed at 2,500 U.S dollars unless one rejects the coverage.

Cheap Car Insurance Companies in Texas

Identifying companies with cheap car insurance rates in Texas is not an easy task. Cheap car insurance companies are identified by reviewing their auto insurance quotes. The auto insurance quotes for single and married drivers from 35 years of age and above. The six companies with cheap car insurance in Texas include:

  • United Services Automobile Association (USAA); this is the company with the cheapest car insurance rates in Texas. The company only insures the armed forces with their family members.
  • Allstate Insurance Company; the company, offers cheap car insurance rates to civilians.
  • Foremost County Mutual.
  • Farmers Auto Insurance Company.

Cheap car insurance in Texas by City

  • Dallas, TX.
  • Cheap car insurance in Dallas can help you to save a lot. The three most affordable insurers in Dallas include Direct General, GEICO and Farmers.

  • Houston, TX.
  • The annual premium for paying for car insurance in Houston is estimated to be 1,206 U.S dollars. Despite that, the cheap car insurance quotes from GEICO, Direct General, or Farmers can help you save around 30 to 45 percent from the average auto insurance rate in the city. The difference between the company offering cheap car insurance rates and the one with the most expensive rates was 2,073 U.S dollars a year.

  • Austin, TX.
  • The cheap car insurance quotes from Direct General, GEICO and Farmers can help drivers save up to 40 percent compared to the average city cost.

  • San Antonio, TX.
  • The companies offering cheap car insurance quotes in San Antonio include the Direct General and GEICO offering the lowest rates can be found at this website.

  • El Paso, TX.
  • El Paso has the most affordable car insurance cost when compared to the average city in Texas. The cheap car insurance rates include annual premiums that are two percent cheaper than Texas’ average. Companies offering cheap car insurance rates include Direct General. Other companies with cheap car insurance quotes are GEICO and Farmers.

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