Texas Car Insurance

                                   
In Texas, you are responsible for paying for car accidents you cause. Luckily, you can easily protect yourself by purchasing Texas auto insurance. Liability insurance pays for damage to the other vehicle as well as a certain amount of medical care for its passengers in the event of an accident. Liability insurance is the minimum amount of coverage you can buy, but there are several other types of coverage to choose from for protecting yourself, your passengers and your vehicle.

Minimum Coverage Required

The law requires you to purchase a minimum amount of liability insurance which is currently $30,000 per person with a total maximum of $60,000 per accident and $25,000 property damage. Liability insurance for these amounts is the minimum level of coverage required by state law and may not be enough to satisfy the other driver’s costs should you be in an accident. Keep in mind, you can be sued for the difference and may want to consider purchasing more than the required amount to protect yourself financially.

Other Coverage
           

Collision insurance pays for damage to your vehicle in an accident you caused and Comprehensive coverage pays for your car if it’s stolen or incurs damage from something other than an accident, like fire or vandalism. Medical coverage for yourself and your passengers can be purchased as well as Personal Injury Protection coverage which includes lost income as well as medical payments. You can also purchase Uninsured Motorist coverage, which protects you in the event the other driver is at fault and is not insured. In addition, there are various other insurance options available that cover everything from stereo equipment to towing costs.

In Texas, car insurance is a requirement. If you do not pay, you are in violation of the financial laws in the state and if you are caught, will be severely penalized. The average penalty is a $350 fine, suspension of your driver’s license and even impoundment of your vehicle. If you think you can avoid detection, think again because the state employs “TexaSure”, a system that verifies payment on all insurance premiums while keeping track of owners and vehicles. It’s simply not worth the risk to drive uninsured.

Saving on Car Insurance

These days, everyone is looking for a few ways to save a few dollars and car insurance is no exception. Luckily, there are some things you can do to keep your rates low and perhaps even lower them in the future. First, always make sure to obey traffic rules and operate your vehicle safely. This will keep you accident free and decrease the number of claims you file with your insurance company. While you can’t always avoid an accident, paying strict attention to how you drive can significantly decrease your odds of having an accident.

In addition, if you own more than one vehicle, try to insure them all with the same company. In many cases, insuring multiple cars gives you the option of paying reduced rates or receiving discounts. Plus, you always have the choice to keep a high deductible. The higher you keep out-of-pocket-expenses, the lower your monthly premium will be.

Finally, make use of available resources. For instance, AARP offer discounts for Texas auto insurance to seniors and those over 50. With AARP, it’s possible to get a package of benefits at a discounted price and great features like disappearing deductible, lifetime renewability and more.

Auto insurance in Texas is a requirement. Make sure you understand the laws and practice safe driving. Make the most of your resources and find coverage that fits your needs as well as your budget.