Texas Auto Insurance – Free car insurance quotes

Texas Auto Insurance Minimums

• $25,000 bodily injury for one person
• $50,000 per accident
• $25,000 property damage

Texas DUI Laws

• DUI is considered a BAC of 0.08%.
• Enhanced sentencing for BAC of 0.15% and higher.

Texas SR-22 Requirements

• SR-22 may be required for a number of reasons.
• An SR-22 is typically required to reinstate a suspended license.

Texas Distracted Driver Laws

• The Texas legislature has passed a cell phone/texting law.
• Texas House Bill 2730 and 339 prohibit drivers under the age of 18 from using wireless communication devices while operating a motor vehicle.

Texas Teen Driver Laws

• Texas utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
• Texas teens need to be 15 years of age to apply for an instruction permit.

Automobile insurance varies from state and there are specific rules regarding Texas car insurance. This article deals with the specifications regarding auto insurance in Texas.

Minimum Level for Liability Coverage

According to the Texas auto insurance law, it is mandatory that you prove your capability of paying for accidents caused by your negligence. However, you can opt for auto liability insurance. There is a minimum payment for your auto liability insurance. Texas car insurance states that you have to pay $25,000 if only one person is injured in the accident you caused and $50,000 for all injured people in the accident. This comes under the category of bodily damage and if you cause property damage, then you will have to pay $25,000 for just one accident.

How to Lower Texas Car Insurance Rates

If you are looking forward to lower your Texas auto insurance rates, then you have to keep in mind certain factors. Your driving record speaks a lot about your character and this affects the premiums you will have to pay. Observe all the rules and be considerate to fellow drivers. Avoiding accident creating situations will reduce the chance of making claims. If you have no history of claims, then naturally the Texas car insurance rates will come down. Apart from keeping your driving record impeccable, check out these other factors too.

Credit Record: Paying your bills on time will increase your credit score. If the insurance company feels that you can be trusted, then it would be advantageous to you.
One for All: If you have more than one automobile, then make sure the insurance is also from the same company. You will be offered discounts.
Raise the deductibles: The deductible is the amount that the policy holder is willing to pay out of his pocket, even when there is a chance for insurance claims. If you are willing to pay, then your deductible will be high and the insurance rate lower.

Getting online Texas Auto Insurance

There are so many Texas car insurance companies that most people are baffled by the thousands of choices and options open to them. It’s not physically possible to visit each company and inquire about their policies and get quotes. All the major insurance companies in Texas, own a website and you can easily visit them, state your preferences and get a quote. This is possible only if you are sure of which company to choose, but if you are not sure of the company, there are several independent sites that offer comparison quotes. Once you enter accurate information in the relevant fields, you will have access to a large number of quotes from several companies.

Penalty for Not Paying

The Texas law is a bit hard on people who don’t pay their premiums on time. Non-payment of Texas auto insurance is considered a violation of the financial laws in the state. A conviction will result in a fine of up to $350 and if you are still behind in your tax payment, there will either be a suspension of your auto license or in rare cases impoundment of the vehicle. Texas law also states the use of a system called TexaSure instantly verifies the payment of all insurance premiums. Law enforcing officials and tax officials in various counties will have access to the system and they keep track of all the vehicles and owners that are behind their Texas auto insurance. They put it in a really way by saying that if the vehicle is not covered, then the owner will be discovered.