Texas Auto Insurance Quotes

Surveys show that nearly 20% of the Texas drivers are uninsured. To reduce this percentage, the government had to make the traffic laws of the state more rigid. It is mandatory for all drivers to get auto insurance and carry the minimum liability auto insurance while behind the wheels. The drivers who are still paying for financing to a bank or any other lender need to carry a collision and comprehensive coverage along with the minimum liability coverage.

What are the other ways to display your financial on-road responsibilities in Texas

Apart from proving your financial responsibility by purchasing an auto liability insurance policy, you may

• Obtain insurance coverage and opt for auto liability coverage through a Texas state authorized insurance provider.
• Deposit $55,000 in cash or securities of equal amount to the country controller.
• Deposit an amount of $55,000 in cash or check to the country judge
• I you own more than 25 vehicles, you have the option to get certified by the Texas Department of Transportation that you are self-insured.

The minimum automobile liability coverage in Texas is 25/50/25, which means

• $25,000 for covering bodily injuries of one person per accident.
• $50,000 for covering total bodily injuries for all accidents.
• $25,000 for covering property damage per accident.

Your capability to pay for an accident you have caused is mainly what auto liability covers. It is very important to be familiar with all the spectrum of a policy before you choose a policy. You should go for a policy with enough coverage. If you are responsible for an accident and only have liability auto coverage, you may not get covered against any personal injury caused to you or damage to your car. It may just be a formality to comply with the law.

Comparing Texas auto insurance quotes

There are numerous insurance providers competing to have you as their client. The auto insurance rates in Texas may vary dramatically. To get an affordable car insurance in the state of Texas, you need to do some research and compare multiple auto insurance quotes offered by the different insurance providers. Before you take your pick, you should:-

• Get a clear idea about what your policy must cover
• Obtain more than one quotes that shall help your compare

Inquire about the premiums and the discounts offered

What are your rights as a consumer in the state of Texas?

Along with understanding your financial responsibilities you must also have no doubts about your rights as a consumer in the state of Texas.

You cannot be denied coverage by an insurance company in Texas only on the basis of your credit details without considering the underwriting factors involved in it.

You can may your auto insurance premium in installments and the down payment can’t exceed the cost of two monthly payments.
If an insurance company denies you coverage, it must provide you with reasons in writing that included the incident, risk factors and causes that disqualified you from getting a Texas auto insurance coverage.

The state of Texas offers a Safety Net for those who are denied coverage by one or more providers. Minimum liability coverage is offered by Texas automobile insurance Plan Association who fails to get covered from anywhere else. You may call (800) 580-TAIP for more information.

What is the proof of my insurance and when it is needed to be displayed?
When you purchase an insurance policy from a Texas insurance agent, you shall be provided with an ID card which you must carry with you always while you drive. You will have to display the proof of your auto insurance when

• An law enforcement officer demands it
• You have an accident
• Get your ride registered of renew its registration
• You need to obtain or renew your driving license
• Get your car inspected.

What are the types of auto insurance coverages offered in Texas?

Liability Coverage-pays for bodily injury or property damage of the victim in an accident caused by you some one covered by your policy. It pays for

• Medical cost, funeral expenditures, compensations for pain and sufferings and even lost remunerations.
• Repairing of damages caused to the car or for replacements
• Auto rentals when the victim’s car is being repaired.
• Penal damages that the court confers.

Medical Coverage- pays for the medical bills or funeral costs of the victims, even if he is a pedestrian or a biker. It covers you, your family members and all passengers in your car regardless of the person at the faulty end.
Personal Injury Protection Coverage-It is mandatory for all insurance providers in Texas to give you Personal Injury coverage of $2,500 while selling the policy to you. It you decide against taking it you must provide it in writing to the provider/agent. This coverage is nearly same as Medical coverage including 80% of lost wage and an amount spent on hiring a nurse or caregiver.
Uninsured/Underinsured Motorist coverage- UM/UIM coverage pays for the accident caused by an uninsured or underinsured motorist. It also pays for hit & run cases if immediately reported to the police. This coverage comes with a policy limit that is decided before buying the policy
Collision coverage- pays to repair the damage of your car. The amount of payment is the actual value of your car before it was damaged minus any deductible that you have. The amount is often decided by the company after a through inspection of the damaged car.
Comprehensive coverage-Pays for the repair or replacement of your car if it is damaged or lost in any unfortunate event other than a collision like theft, vandalism, fire etc. It also pays for the theft of a rented car if promptly reported to the police. The amount is depends upon the marked value of your car minus deductibles if any.
Towing and labor coverage-Pays for the towing charges of your car when it can’t be driven and of different types of labors like changing tires at a particular spot where you car broke down.
Coverage for special equipments – generally policy providers do not cover up any special gadgets like stereo, cd players installed in your car. You may have them covered buy paying an extra premium.

Coverage for rented car-according to the laws of the state of Texas your liability coverage is enough to repay the damage or loss of the rented car but if the market value of the rented car is more than your coverage limit you need to buy a collision damage waiver, purchase of which will prevent you from being held responsible for any damage caused to your rented car by the auto rental company. You can also request renter insurance quotes to obtain rented car insurance.
Insurance coverage for non-auto owners- It covers the damage caused to the victim’s car when you are at fault while driving a borrowed or rented car but it policy offers no coverage for the car you are driving.

Who is covered by the insurance policy that you purchased?

The auto insurance laws in Texas cover anyone who drives your car and is mentioned in your policy. Texas auto laws cover family members, spouse, even if they are away from home, in-laws, ward, adopted or foster children or attending educational institutions away from home.

Penalties for not having auto insurance policies in Texas

You’ll be subjected to severe penalization that may result in suspension of your driving license and registration. It you decide to make an appeal to the TX DOT it can withhold the suspension procedure for sometime until the matter is resolved. A second suspension for a lack of registration may get your car confiscated for 180 days and you will be charged $15 fee each day you car is in confiscation.
You can lift your suspension by:
Establishing proof of current liability coverage
Paying the reinstatement fees from $175 to $350