Get the Cheapest Car Insurance in Texas
While searching for cheap car insurance in the great state of Texas, you might find all the different quotes you get a little confusing.
You give each company the same amount of information, but they give you different prices.
Because of this, it's really important for frugal consumers to shop around and not accept the first price they are offered.
The quote you get from one firm might not be the cheapest one available to you. Some agents offer more discounts than others.
So you should check with a few different companies before deciding which firm to go with. We've made that process a little easier and less time consuming for you by listing the top firms in the state.
1. Amica Auto Insurance - is a top notch insurer in Texas that's highly rated.
2. State Farm - great rates with superior service and an easy process.
3. USAA - great option for anyone in the military or anyone with family in the military.
With just a few minutes of work, you can substantially increase the amount you save. Most insurance authorities agree that pitting one insurer versus another can lower your payments significantly.
Now, consider some facts about Texas insurance policies so you can make an informed and educated decision when purchasing your policy online or in person.
How Much Will Your Texas Auto Insurance Cost?
- Average TX insurance premium: $1,022
- U.S. average: $901
- Texas ranks among states for collision coverage price: 5th
- Texas rank among states for liability insurance price: 20th
These figures came from a recent study by the National Association of Insurance Commissioners that was reported on last year by the Dallas Morning News. These are just averages. Few drivers expect to get the average rate so you cannot use these figures alone to estimate your own premiums.
Getting cheaper auto insurance quotes in Texas will depend upon many different things that are unique to your own personal situation. Some of these factors include driving history, zip code, the type of vehicle, and the driver's age. If you need to ensure multiple drivers or multiple vehicles, insurance companies will have even more things to consider.
Each insurer uses its own rate charts and underwriting guidelines too. The least expensive coverage for a middle-aged school teacher may come from a different company than the one that provides the best deal for one of her teenaged students. This also underscores the importance of finding the right insurer by taking the time to gather car insurance quotes.
Why Texans need to be insured?
- Minimum required auto liability limits: 30/60/25
- $30,000 injury per person, $60,000 injury total, $25,000 property damage
- First violation of driving without required insurance: $175 to $350 fine
- Subsequent violations: fines of $350 to $1,000, suspension of your driver's license, and impoundment of your car
- Estimated rate of uninsured drivers in Texas: 13.6%
The rate of uninsured motorists in TX has been dropping dramatically in recent years due to a new computerized system used by law enforcement and other state officials.
This system, called TexasSure, provides a database that matches drivers to insurance policies. Some Texas cities, including Dallas, come down even harder upon uninsured drivers. Law enforcement officers may impound vehicles if the drivers are caught without coverage during a traffic stop.
The vehicle owner will need to pay impoundment fees, fines, and show proof of insurance in order to retrieve the car. Finally, the lack of liability coverage does not mean that a driver will not be held liable for damages or injuries caused by an auto accident.
Driving without minimum required coverage is risky for a number of reasons.
Properly insured motorists can purchase uninsured motorist coverage to protect themselves against damages caused by uninsured motorist.
It will probably be much easier to collect damage or injury claims from an insurer, and then just let the car insurance company worry about collecting damages from the driver who caused the accident.
What are the common types of car insurance in Texas?
- Liability: This covers the "other guy" in case you cause an auto accident.
- Collision: This covers your car in the event you are judged the at-fault driver.
- Comprehensive: This covers your car against a variety of non-accident related damages. Examples may include floods, storms, vandalism, or burglaries.
- Uninsured/Underinsured Motorist: In the event you suffer damage because of an uninsured or hit-and-run driver, this covers your damages or injuries.
- Personal Injury Protection: This provides compensation for accident injuries. It may help pay medical bills and even compensate victims for lost time at work.
All vehicle owners need to carry minimum
required liability insurance. If you still owe money on your car, you
may also be required to purchase full coverage by your lender. Some
vehicle owners choose to buy full coverage even if they do not owe money
because it helps them protect their investment. You might want to
balance the risks and costs by comparing a variety of car insurance
rates in Texas.
What protection do you have against bankrupt companies?
Believe it or not, sometimes car insurers can go bankrupt just like companies in other industries. So what happens then? What happens if you file a claim and your insurer doesn't have the necessary funds to pay? Fortunately, the state of Texas has rules that cover you in situations like this.
Basically, the state's insurance commissioner takes over the insurer through a court order. Once that happens, the commissioner will try to rectify the financial problems the company was having.
If the commissioner succeeds, it won't upset your claim. If they are unable to correct the company's finances, then the firm's assets will be sold to pay any and all outstanding claims... assuming those claims are legitimate and accurate. Before all of this happens, you will be made aware by mail about the company's situation and how you can go about filing your claim.
After all of this, you then have up to thirty days to find a new insurer.
You will still be covered during the
Get the best rate in the Lone Star state...
Are you a petroleum engineer driving through the streets of Houston? How about a customer service rep in San Antonio? Or maybe you're a web designer driving in Austin or Dallas?
It doesn't matter... because wherever you drive, www.virtualcarinsurer.com can help you save more of your hard-earned money. So whether it's Arlington, Fort Worth or El Paso, you can rest assured knowing you're getting the best deal on auto insurance in TX.
From Desoto to Mansfield, San Marcos to Cedar Park and everything in between, we have you covered.
You can get quotes from our site no matter which county in this great state you reside. If it's Harris County, Dallas, Bell, Anderson or Randall, you can use our easy application process to get a quote. And you can do it all from the comfort of your own home.