Texas Auto Insurance — What Every Driver Should Know
It can be frustrating trying to find cheap auto insurance in Texas. We make that task easier at Cheaptexasautoinsurance.net. What you select as coverage above the state minimums affects the total cost of your insurance. Since your driving record is also a major factor, it helps to know the important laws and regulations for the state. We’ve put that information together for you below. You will also notice our easy to use quote widget. With just a little information, we help you find cheap Texas car insurance.
TX Auto Insurance Laws and Requirements
Drivers in Texas do not have to purchase no-fault coverage, as Texas is a tort state. This means that many motorists elect to purchase PIP coverage as a non-required part of their coverage. The state also does not require the purchase of UM/UIM coverage, although most driver purchase this option. The table below details the minimum liability coverage that must be carried:
|Bodily Injury Liability||30,000/60,000||25,000/50,000|
|Property Damage Liability||25,000||25,000|
|UM/UIM Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||500 deductible|
While we often resent the need for speed laws, they do play an important role in keeping the roads and highways safe for all drivers. The speed limits in Texas are as follows:
|Rural Interstate||75,80 or 85 mph; 80 or 85 on identified road segments|
|Urban Interstate||75 mph|
|Other Limited-Access||75 mph|
|Roads, other||75 mph|
Where to find More Texas Auto Insurance Info
You can find much more about the basics of driving in Texas, such as information about vehicle registration, different classes of driver’s licenses and ID cards at different Texas websites. This includes the wealth of information at the Department of Motor Vehicles for the state of Texas.
Department of Insurance for the state of Texas
The official Texas state Website
TX Auto Insurance Discounts You Can Use
One way to get cheap car insurance in Texas is to take advantage of the many discounts that insurance companies offer. The cost of your coverage is lowered if you take steps like going to driver’s education programs. The type of car you drive and the distance you drive to work are items that affect your rates. If you are able to avoid rush hour commutes, you also get a discount. Insurance providers offer safe drivers a discount in many cases. Simply ask your provider before you sign up to get all the discounts for which you qualify.
Since insurance is a necessity to drive legally in the state of Texas, everyone has to deal with the hassle of finding the best value for the coverage they want and need. That entire process is easy with Cheaptexasautoinsurance.net. With our easy to use quote widget, a little bit of information can save a lot of money on your cheap auto insurance in Texas coverage.
Those savings can start today! Just enter the information and you will instantly receive the best quotes for your area.
And for specific discounts relevant to your town, check out our reports on:Learn More About
Official Texas State Website