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    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:

    Coverage Requirements Most Common
    Bodily Injury Liability 30,000/60,000 25,000/50,000
    Property Damage Liability 25,000 25,000
    UM/UIM Not required 25,000/50,000
    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:

    Speed Limits
    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!

    Start saving money now –enter the few details asked for and you will get an immediate comparison of low-cost rates!

    And pay attention to this special message for Dallas and Houston residents: click the links provided for city-specific discounts!