Auto insurance in Texas
Living in Texas and looking for a good Texas auto insurance provider to keep your car covered? Want to know specific regulations and requirements in your state? Can't find a decent source of information on state-specific questions concerning auto insurance? This page is just the thing you need! Whether you live in Austin, Dallas, Houston, San Antonio or any other location in Texas, here you will find all the necessary information on auto insurance in Texas that will help you get cheap auto insurance you were looking for.
If you have any inquiries or specific questions concerning Texas auto insurance you may want to call the Texas Department of Insurance at (512) 463-6169 and ask your questions there. However, before you go to specific questions, learn the legal requirements and regulations on Texas auto insurance right here.
Texas auto insurance requirements state that liability coverage is the only mandatory type of coverage you should carry with your policy with a minimum amount met. However, most drivers choose to purchase other types of coverage as well. Some auto dealers and lending companies include additional coverage types into their contracts as mandatory, so ask about it first, before purchasing a policy.
Minimum coverage amounts your policy should carry in Texas include $25,000 of bodily injury per person, $50,000 of bodily injury per accident and $25,000 of property damage. Most lenders will also require you to carry collision coverage for as long as your loan isn't paid off.
If you want to take advantage of discounts to lower you Texas auto insurance rates then you might want to use any of the following methods:
- Insure more vehicles
- Take a course in defensive driving
- Install additional safety features such as airbags and/or antilock brakes
- Keep a good driving record
- Drive less mile per year
Those of you who want to get the best rates with your Texas auto insurance might want to:
- Shop around with different providers
- Raise your deductible
- Keep your coverage without interruptions
- Drop coverage you don't need
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