Auto Insurance Texas Cheap

Finding Auto Insurance Texas Cheap

Car insurance in Texas is no more confusing than in any other state.  All drivers must carry car insurance any time they drive on public roads.  Thus, Texans should know what is required and where to find the best deal for that insurance.

Obtaining the best policy for automobile coverage comes down to having a little basic knowledge about car insurance and then comparing quotes from several companies.

Auto Insurance Texas Cheap: State Requirements

Texas state law requires minimum Bodily Injury Liability of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000.

This basic coverage is often referred to as 20/40/15 coverage.

However, many times accidents result in damages that exceed this minimum coverage.   So I strongly suggest you that you increase your Texas liability insurance coverage to at least 100/300/100.

Auto Insurance Texas Cheap: Additional Coverage to Consider

But these basic requirements will only cover the property repair and medical bills of other parties involved if you caused the accident.  Additional coverage options that should be considered include the following.

Uninsured motorist liability will pay for your medical bills and vehicle damage when an uninsured driver is at fault.   Recovering damages from an uninsured driver is often a venture in futility, so this coverage is virtually essential though not required in Texas.

Personal injury protection (PIP) will pay for your medical expenses in addition to the passengers in your vehicle no matter who caused the accident.  Do you have health insurance that covers auto accidents?   If so, that should be considered in setting your PIP amount.

Collision coverage pays for damages done to your vehicle if another party is not liable.

Comprehensive covers fire, theft, vandalism and damages due to natural perils (i.e. floods, storms, etc.) and animal impact.

Auto Insurance Texas Cheap: Comparison Shopping

Comparing car insurance quotes and rates is one of the best ways to find cheap car insurance in Texas.  Get as many prices from as many companies as possible to increase the chance of finding cheaper coverage.

Use a free comparison shopping website such as Quote Wizard or 2Insure4Less for this.  Those sites are easy to use, and they will arrange that 3-4 quotes are sent to you.

Auto Insurance Texas Cheap: Discounts

Firstly, always practice safe driving and obey traffic laws in order to avoid tickets and accidents which will only drive rates higher.  A 5-year squeaky clean driving record will save you about 25% with most companies.

Most insurers offer a 5-10% discount to members of organizations for which they have group discount arrangements.   A large insurer will have 200-300 such arrangements which may include organizations such as:

  • Accountants
  • School Alumni
  • Credit Unions
  • Educators
  • Lawyers
  • Engineers
  • Financial Analysts
  • Doctors and Nurses
  • Military
  • Scientists
  • Students

If you belong to groups of this nature, ask the insurer if your organization qualifies for discount.

Discounts are also available for safety and anti-theft devices, low mileage, multiple cars and good students, to name a few.

Also, review your policy at least annually and compare your rates against what other competing insurance companies are offering. As mentioned above, Quote Wizard is helpful in obtaining quotes with a few clicks of your mouse.

Having auto insurance in Texas is non-negotiable… make sure you buy adequate coverage for the right price instead of suffering the consequences of driving without it.