Buying car insurance doesn't have to be complicated or expensive. InsureMe is a free referral service, and we make shopping for Texas car insurance easy! Just give us a little information about yourself and your driving habits, and we will match you with licensed agents in your area. That's all there is to it. You will actually have insurance agents contacting you to compete for your business!
Here is some helpful information you can use in shopping for Texas car insurance.
Coverage Required by Law
Car insurance in Texas pays for injuries, damages and other losses when you are involved in an accident. Texas state law requires drivers to carry only liability coverage, but many drivers choose to purchase more coverage to ensure protection when they need it. State requirements include a minimum of $20,000 bodily injury per person, $40,000 bodily injury per accident and $15,000 property damage per accident. If you still owe money on your car, you must also carry collision and comprehensive insurance, which pays for damages to your own vehicle in case of an accident.
Factors Affecting Premiums
Texas car insurance companies use a number of different criteria to determine your insurance premium. Age is the most obvious factor, with younger drivers paying higher premiums. Your driving record and claims history are also important, as are the type of car you drive, what you use your car for, your credit score, and the county in which you live and drive.
Texas car insurance companies offer discounts when you take steps to reduce your risk of insurance claims. You may receive discounts for the following:
Smart Shopping Tips
Savvy car insurance shoppers get the best coverage at the best price by:
Before buying a car insurance policy, consider important factors such as a company's financial strength and complaint history, in addition to cost and coverage. These elements provide a good indication of the type of service a company provides, and whether or not they will remain in business long term.
For more information, or for answers to general car insurance questions, you may call the Texas Department of Insurance's Consumer Help Line at 800-252-3439, or reach them online at www.tdi.state.tx.us.