What to Know before You Buy Texas Auto Insurance
Many people feel that finding Texas auto insurance rates is a frustrating process. At Texascarinsurancerates.net, we have done the work to help you find the best auto rates available in Texas. What you pay for insurance is largely impacted by the coverage you select. In addition, knowing all the state laws and regulations helps by making you a safer driver. That is all discussed below and we include a quote widget to help you get the best Texas car insurance rates!
Auto Insurance Laws and Requirements in TX
Texas has higher car insurance rates than the national average, but finding good rates can be done. One advantage is that motorists in Texas do not have to have no-fault coverage. Providers offer PIP coverage to make up for the lack of no-fault. Uninsured and underinsured motorist (UM/UIM) is optional coverage in the state. Of course, basic liability is required. Below is listed the state’s minimum requirements:
|Bodily Injury Liability||30,000/60,000||25,000/50,000|
|Property Damage Liability||25,000||25,000|
|Personal Injury Protection||Not Required||2,500|
|Medical Payments||Not required||2,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||500 deductible|
There are basic traffic rules that are important, in addition to carrying the required insurance. Speed limits are enacted to make the roads safer for all motorists. In Texas, the speed limits you will find are listed below:
|Rural Interstate||75 mph; 80 or 85 on specified road segments|
|Urban Interstate||75 mph|
|Other Limited-Access||75 mph|
|Other Roads||75 mph|
Finding More Info on Texas Auto Insurance
Being aware of all the traffic and driving regulations is an important part of being a safe driver. Following the regulations, laws and insurance requirements is a wise step. The website for the Texas Department of Motor Vehicles provides information concerning driver’s licenses, ID Cards, and issues related to vehicle registration: www.txdmv.gov
Texas Department of Insurance: www.tdi.texas.gov/
The official Texas state Website: www.texas.gov/
Finding Discounts on TX Auto Insurance
Saving money on Texas car insurance rates is often a matter of knowing what to ask your agent and seeking all the discounts that are available. You can earn discounts by attending a driver’s education class or by not driving to work during rush hour. If you have a teen driver, they can lower their rates by achieving good grades. There are numerous other ways to earn discounts and lower your total policy costs. It is important to get all this information before you actually purchase your insurance coverage.
Since you have to have minimum coverage in the state of Texas, finding the right insurance provider and buying insurance is a must for every driver. It can seem like a complicated process. However, if you use Texascarinsurancerates.net, you can avoid much of the hassle. You just provide a few details and you will get the best rates available in your area!