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Getting Auto Insurance Quotes in Texas – Some Points to Consider

If you live in Texas auto insurance is a legal requirement, just like in any other state. The level and type of auto insurance can and does change from state to state.

If you drive a car in the state of Texas, you are required by law to carry liability insurance on that vehicle. If you are in an auto accident and determined to be the cause of the accident, you are liable for any damages you may have caused in the event of the accident. This is why it is so important and a requirement for every driver to have sufficient coverage in place. Getting auto insurance quotes in Texas is not just easy and painless with the use of the quote tool on this site, but it is the law.

According to the state of Texas, all drivers are required to carry a minimum level of coverage to protect themselves and those with whom they share the road. The coverage requirements for Texas drivers may differ from those of other states, so new residents should get their car insurance quotes in Texas as soon as they move in and get settled.

The state of Texas requires drivers to have at least:

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The Promise of a Vanishing Deductible

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Texas Auto Insurance and Your Pet

Do you bring your dog or cat along no matter where you go? Do you travel with horses or show dogs all around the state? No matter how safe an animal carrier, trailer or other restraints may seem it’s important to understand how car insurance companies’ deal with animals involved in auto accidents. Unfortunately, if you don’t give some thought to what will happen to your pet if a car crash occurs, it may be impossible to take proper care of your pet. Proper pet or animal insurance will help you deal with vet bills as well as ensure that your pet gets the best of care.

Pedigree, Show, and Working Animals

Consider a situation where you purchased a pedigree dog that has won a number of monetary awards for obedience trials. When an animal with some type of intrinsic value is injured or killed in a crash, the owner is entitled to receive financial compensation from the auto insurance company. This includes coverage for the cost of medical treatment, or replacing the animal if required.

Is My Family Pet Covered Under My Auto Insurance Policy?

If you have pets in your home, chances are you and other family members may not see them as monetary assets. In fact, iTime runs like sand through your hands

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GAP Insurance – What Texas New Car Owners Need to Know

Congratulations on your new car purchase! It’s an exciting time, but not one to be taken lightly. There are many responsibilities and expenses associated with a new car, and making sure that you have adequate Texas auto insurance is one of them.

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Car insurance Quotes In Texas – How to Get 8 Free

When it comes to auto financial responsibility, getting car insurance quotes in Texas is an action few licensed Texans can avoid. Some drivers do though, and they are in direct violation of the law. State law requires drivers to maintain financial responsibility while driving the Texas roadways.

Sure, you probably have more interesting things to do than get car insurance quotes in Texas. Still, it’s worth taking some time to get quotes and establish your policy so you don’t have to spend time in Texas court and the DMV. And odds are if you do your homework, you’ll save on your car insurance by getting multiple quotes.

How Much Car Insurance Do I Need?

To comply with the requirements, Texans must carry auto insurance liability limits of, at least, $30,000 per person with $60,000 per accident and $25,000 in property damage protection. These coverages protect you financially from the damages and injuries you may cause to others while driving.

At first glance, it may seem like a large amount of coverage, but this minimum protection is easily exhausted in serious car accidents. As you seek car insurance quotes in Texas, consider the amount of liability coverage you really need to protect your assets.

The amount is different for everyone, so don’t try to match your car insurance quotes in Texas with those of your friends and family. Instead, speak with your local insurance agent or use the Texas car insurance quote portal at the top of this page for assistance in building quotes that best fit your needs.

What Else Can I Get?

While bodily injury liability limits are the only coverages required by Texas law, liability coverages are not the only coverages available. Your car insurance quotes in Texas will include options for an array of additional protections, all designed to protect you, your passengers and your vehicles.

To protect you and your passengers, you’ll have options of adding personal injury protection, uninsured and underinsured motorist coverage and medical payments to your car insurance quotes in Texas. Although you’re not required to accept these coverages, insurance companies are required to offer these options. You’ll be required to sign a rejection form for each of these coverages, except medical payments, should you reject the options.

Car Insurance Coverage Options

Coverage options for your vehicle include comprehensive and collision coverages, as well as towing and labor and rental reimbursement coverage. These physical damage coverages are optional, though your lienholder may require you to carry these coverages, if you lease or finance your vehicle.

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How the Rich Stay Rich: Free Auto Insurance Quotes

How would you like to earn $2,000 an hour? What – you don’t think you can? Has the economy and corporate world made you feel so impotent you don’t think you can earn this kind of money? If you feel this way – you are wrong!

One of the quickest ways to put more money in your pocket is to get free auto insurance quotes. Those of you tuning out now will not be getting richer, but those staying focused will.

This is after all, how the rich get richer. They take advantage of the tax codes, the time they have to get multiple free auto insurance quotes and so on. The rich in this country pay less for auto insurance than the overall average.

Once they are rich, they want to stay that way! Getting auto insurance quotes used to be a hassle – and most of us avoided it because of the immense pressure we’d get from insurance sales people. Now you can use one of the thousands of online auto insurance quote portals provided by web based businesses like “InTexasAutoInsurance.com”.

How Free Auto Insurance Quote Portals Work

There are web based businesses out there that specialize only in auto insurance lead generation. Why? Auto insurance companies like Geico, All State, and State Farm etc. know what the value of a customer is. They have such sophisticated business models they know what it cost to acquire a new customer, and how profitable that customer is.

Here’s a fictitious example: If you are 28 years old, a female and live in Houston, Texas they know that on average you are going to be a customer for 33.4 months generating an estimated $1,927 in profits. This is a fake example and the numbers are not accurate, but the concept is.

With the understanding of this concept – insurance companies are willing to pay for leads. Why? They know that for every 100 leads they get “X” number of new customers. They also know that those “X” number of new customers produce a certain amount of profit – they actually know how much profit on average this customer is worth! Therefore they are willing to pay per lead for that new potential customer.

Auto Insurance Company ROI

Imagine the difficulties trying to determine the return on investment for Super Bowl advertising or the millions Progressive Insurance spends on “Flo” television commercials. Do you think they can accurately determine their ROI? The simple answer is “not with precision”.

They can however measure their ROI with lead based “free auto insurance quote” portals. Now, the auto insurance companies don’t own these lead generation companies, though it seems like it would be a great investment for them. What they do is pay a fixed dollar amount based on certain parameters they know will generate a profit.

You may not love the idea that the insurance company has every possible statistic on a person of your gender, age and so on, but they are “betting” on you and they want to win with profits. It’s your job to use the free auto insurance quote portals now so widely available to get multiple insurance quotes and have them (at least 3 is average) competing for your business and hard earned money.

So…we live in a modern world, take advantage of it like the rich do! Use a free auto insurance quote portal like the one on this site to get at least three competing auto insurance quotes…and save (earn) money!!

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Filing an Auto Insurance Accident Claim

Being involved in a car accident can be a scary situation. The odds that you’ll be involved in one are very likely. According to Fox Business, the car insurance industry estimates that the average driver will file a claim every 17.9 years. And since most people get their license at 16-years-old, this means you’ll probably have a car accident by the time you turn 34.

How to work with your auto insurance company

Dealing with your insurance company will be an easy process if you understand what to do when you get into a car accident. And there are also several things you shouldn’t do that could jeopardize your insurance coverage. The important thing is that you stay safe and follow a few simple guidelines to ensure a hassle-free claim with your carrier.

Things You’ll Need

• Pen
• Paper
• Camera
• Phone First Aid Kit

It’s a good idea to always keep a pen a paper tucked away in a safe place in your car. If another party is involved in the car accident you will need to get their license number, insurance number and contact information.

The camera and phone are mostly all-in-one with smart phones, but a first aid kit is something many people don’t think about traveling with. If you purchase a small one and tuck it away in your car, you’ll be glad you have it when your turn for an auto accident arrives.

Be Safe

Too many accident victims get injured even further by wondering into oncoming traffic! Stay inside of your vehicle whether you are injured or not, then move your vehicle to the side of the road and turn on your hazard lights if you are able to.

Remain in your vehicle with your seatbelt on if you are injured or unable to move your car. If you are not injured check on the other driver if another vehicle was involved.

Help Others

Step out of your vehicle and check on all the parties involved. Ask everyone if they have any injuries or need help moving their automobile to the side of the road. Use a first-aid kit to administer any medical attention you are capable of.

Call for Help

Dial 9-1-1 and request for a police officer to take an accident report. Ask for an ambulance if there are any major injures. Inform the operator of any suspicious behavior you notice from the other drivers.

Exchange Auto Insurance Information

Exchange names, addresses, phone numbers, insurance companies, policy numbers, driver’s license numbers and license plate numbers with everyone connected with the accident. Write a detailed description of all the cars involved and the damages that occurred. Wait for the police to deal with any uncooperative people.

Take Pictures

Use your camera to take pictures of all the vehicles involved in the accident. Make certain to capture different angled shots that clearly show the extent of the damages.

Don’t Admit Guilt

Don’t admit guilt to the accident even if it was your fault. Let the police handle the questions and answer to the best of your ability. Ask for a copy of the accident report taken by the police officer if it’s available to you.

Don’t Talk to Another Person’s Insurance Company

Don’t talk, give a written statement, release your medical records or accept an injury settlement from an insurance company that is not your own. You have no legal obligation to speak to another person’s insurance carrier.

Call Your Auto Insurance Company

Inform your auto insurance carrier about the accident as soon as possible. Be specific about everything that occurred and don’t leave out any details. Give them the information you collected at the scene and ask any questions you may have about your policy.

Do What Your Auto Insurance Company Tells You

Be honest with your auto insurance company and follow their advice. Take your car to their recommend repair shops, visit their suggested doctors and sign anything that is required of you.

Ask Questions if you are Confused

Contact your auto insurance agent if you have any questions regarding your policy. Don’t leave things up to chance if you don’t have to. Make certain you are within the bounds of your policy and act accordingly. If you are “average” you only get in a car accident once every 17 years, so it’s okay to not fully understand the process.

Tips

Don’t accept money from people who don’t want to contact their insurance company about the accident. Let your insurance handle everything.

Warnings

Stay inside of your vehicle if someone is being uncooperative or threatens you. Don’t attempt to argue with anyone. Instead, write down a detailed description of their vehicle and inform the police.

Summary

Being in an auto accident is an uncommon situation for most people. Do your best to keep your wits about you and stay calm. Follow some of the tips and advice to be prepared for an accident and the process of documenting it and filing a claim will go very smoothly.

One last tip…call your auto insurance company and ask them if they have any guidelines they want you to follow in the event of a car accident. Odds are they have a policy and procedure plan in place that if followed, will make an uncomfortable situation go very smoothly. Drive safe!

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Telematics Car Insurance: Cheaper for Careful Drivers

If you are a careful driver who does not speed, drive in the dark or at peak times, you should be able to get cheaper car insurance by switching to a telematics insurance provider. This is where you have some new technology fitted into your car that reads your mileage and your driving habits. The information is fed back to the insurance company and is proof of the miles you cover and that you drive safely and pose less risk of accidents and claims.

Sometimes this type of auto insurance coverage is referred to as black box auto insurance because the tracking device that is placed in the car is usually in a small black box about the size of a pack of playing cards. It might sit on the dashboard or be hidden away under the hood.

The Advantages of Telematics Car Insurance

When your next auto insurance premium is set, all the data from the telematics device is taken into consideration and each driver is judged as an individual. This is how telematics insurance differs from standard car insurance, where premiums are set based on the driver’s stated history, job, age, experience, and even the address where he or she lives.

Almost anyone could benefit from telematics, but it is particularly good for those whose standard insurance premiums would be exceptionally high, such as people with a criminal record or new drivers without experience. After the period of the first premium, the cost can drop significantly.

Telematics Packages

Packages offered can be very different with different insurers. Some will change the premium after the first year is up. Others may offer reductions to monthly payments. Some may top up the mileage allowed at the price you pay once they realize how much of a safe bet you are. Some allow you to pay by the mile, taking into account the time of day and night you use your car and where you drive. You still need to shop around to find out which telematics insurance company will provide what is best for you.

Your black box will then be proof that you rarely use highways, drive below the speed limit and don’t need to brake sharply. In fact it will record how often you brake, how you accelerate and take corners, and when and where you drive. Telematics car insurance therefore encourages safer driving, so the authorities are in favor of it.

Because of the tracking technology it also helps to trace stolen vehicles. If you display that your vehicle has a telematics device, it can discourage car thieves, so your car is less likely to be a target for them.

What to Beware of with Telematics

For some drivers there are issues with this type of auto insurance. You might not want to be monitored in this way. You might be concerned about your privacy and want to know what will happen to your personal data. Certainly you should look at the privacy policy of the insurer before you decide to buy a policy.

Some drivers may have to drive to work via highway, in the rush hour or at night. Or they may not have confidence that their manner of driving will be beneficial to lower premiums. They may be concerned about whether they will be able to cancel the policy if they are not happy about it.

Other aspects to check include whether the car insurance company will charge to install and maintain the technology. Some do and some don’t. You don’t want this cost to negate any savings you can make on your premium.

You also need to check if the policy restricts you to a very low mileage, or to when and where you can use your car. Remember too, that the technology records how the car is driven, whoever is driving. It does not distinguish between drivers, so if you add named drivers, you will be financially penalized if their driving is not up to scratch.

If you believe you are a safe driver, and these aspects are not a problem for you, telematics car insurance might an economical way for you to keep your vehicle on the road. But don’t forget to check the small print from different providers to find the best policy for you.

Enter your zip code and details into the banner on this page to begin your search for a telematics car insurance provider. You can enter as many details as you wish, the more quotes you receive the greater chance of increased car insurance savings.

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Five Reasons Why Your Texas Car Insurance Claim Can Be Denied

As a resident of Texas, you may be surprised to learn that your car insurance claim can be denied for any of the reasons below. You work hard for your money, and the insurance companies do the best they can within the law to make sure you pay for as much as possible, instead of them!

Learn how to make sure your Texas car insurance claim is accepted

Don’t be taken by surprise by your national or local Texas car insurance company, take steps now to make sure your insurance claim is accepted.

1. You have changed your address and failed to notify your car insurance company

Car insurance premium rates are based on complex algorithms that include several factors. Your insurance company takes into account such things as crime rates in your neighborhood, your age, education, type of car, marital status and your commute distance to your work. All of these add up to certain risks for the insurance company…when they place their financial “bet” on you. Whether you move down the block or out of state, notify your car insurance carrier right away, otherwise they could deny your claim when you need it most.

2. You did not disclose additional drivers of your vehicle

Technically, your vehicle is insured–not the driver–so if anyone drives your car and gets into an accident the damage to the car will be covered by your insurance. However, if you have a live-in family member who routinely drives your car, they must be listed as an additional insured driver on your policy. For instance, if your licensed teenager is not listed on the policy your car insurer could deny claims for bodily injury even if that coverage is included in your policy. Teenage drivers by way of example, are high risk drivers and your car insurance company would require higher premiums if they routinely drive your car. If they routinely drive your vehicle and are not additionally named as an insured, your claim will likely be denied.

3. You use your vehicle for undisclosed purposes

If your truck is your main business vehicle and it holds all your equipment; make sure you let your car insurance company knows. Otherwise, if all your tools are stolen out of the truck bed while you’re inside a homeowner’s kitchen repairing their electrical wiring, your insurance claim could be denied. The same holds true if you like to use your vehicle for off-road racing on the weekends. It’s better to be honest and tell your agent about your hobby so she can write you up a good policy that includes coverage for all your vehicle’s uses. The little bit of extra premium you may pay, will more than cover for the replacement cost of stolen items or repairs to your vehicle if needed.

4. You can’t provide proof of loss when car insurance claims are filed

Whether in Texas, or anywhere in the states, it is common for items such as laptops, purses, luggage and wallets to be stolen out of vehicles. But if you routinely keep anything else of value in your car, make sure you document both its value and the fact that it is kept in your car or truck.

Documentation should include photo evidence of its location and/or receipts. For example, you might be a musician and you store your drums in your van for gigs. If the van gets rear ended while you’re minding your own business at a red light and the drums are damaged, you might not get any compensation for the drums unless you have provided copies of receipts and prior evidence of your practice of carrying your drums in the van. Although this seems harsh, it’s just one way that car insurance companies protect themselves against fraudulent claims.

5. Events did not occur as you say they did…don’t lie to your car insurance company

Your car insurance company has the right to send out a claims adjuster and a claims investigator if they feel it’s warranted. These trained professionals are experienced and savvy. Their job is to get to the truth and determine who caused the car accident. Car insurance companies in Texas pay adjusters a high salary to do their job well.

If the accident did not happen as you say it did, they will figure it out and your car insurance company might refuse to honor your claim. Worse, you could be charged with insurance fraud. Don’t tell your car insurance company tall tales. It never pays.

Be Honest with Your Texas Car Insurance Agent

The final lesson is to always be honest with your Texas car insurance agent. Don’t give them any reason to turn down your claim. To learn more about reducing your Texas car insurance costs, use our car insurance comparison quote tool to find the best Texas car insurance company to fit your family or business needs.

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Insuring a Teen Driver in Texas – Finding Low Cost Solutions

Getting a teen included in auto insurance policy in Texas is going to jack up the premiums. However, if you shop around and follow a few key steps, you may yet find cheap car insurance for your teen age driver.

When you want to add a teen to your car insurance policy in Texas, finding low cost solutions does get a bit difficult. Teen age drivers are considered high risk, so insurance companies hedge their bets by increasing your rates. Teens are involved in significantly more accidents than older, more mature drivers, which provide insurance companies a justifiable reason to hike the rates for teenage drivers.

The National Highway Traffic Safety Administration reports that drivers under 25 years of age are four times more likely than adults to die in an auto accident. Teens tend to drive fast, talk, text and do whatever they can to pass the time, all of which gets them in trouble. We were all teens once – odds are (like me) you were not the safest teenage driver on the road.

Adding a young / teen age driver to an auto insurance policy may increase your premium by 50-100%. If the vehicle the teen driver is cruising in is new or any type of sports car – the risk goes up and so do the prices.

Here’s is some simple advice to help you manage your household car insurance costs when it is time to get your son or daughter included in your auto insurance policy.

Adding a Teen to Current Policy as an Additional Driver

The first point, it is usually cheaper to add a teen to the current policy as an additional driver, than buying a separate policy for them. When you add them, all the benefits on the current policy also pass on to the additional driver. Assuming you and / or your spouse have a good driving record, you’re probably better off simply adding your son/daughter to your own auto insurance policy and pay the revised premium.

However, if your driving record is not very impressive or you drive expensive cars or fast cars that your child will also drive, getting a separate policy for your teen will likely be less expensive.

Shop Around for Car Insurance in Texas

Insurance providers do differ in premiums when it comes to teen age drivers, so it does make sense to shop around. An insurer who is offering the best rates for you could jack up the rates substantially when it comes adding a teenager to the policy.

Some insurers offer better deals than others for teen drivers, so it’s important to compare costs. An insurance company that offers the best rate for you may have some of the highest rates when you add a teenage boy to the policy. Insurance costs are more or less for 40 year old plus drivers, but when it comes to younger drivers, the rates differ hugely. Be sure to use the zip code box at the top of the article to get multiple free auto insurance quotes. Saving money is the equivalent to making it!

When to Buy Separate Policy for Your Teenage Driver

Be sure to ask your auto insurance company when they consider a teen driver no longer a “teen”, but an adult. When your teen reaches that “adult” age apply for a decrease in premiums. If your teen has his or her own car, buy them their own insurance policy when he turns 18 (or whatever age the insurance company suggests). As your teen gets older and establishes a safe driving record, premiums eventually go down.

Taking a Teen Defensive Driving Course

Make sure that your teenager takes a defensive driving course. It won’t just save his or her life, but will also make others on the road safe. Moreover, it will bring down insurance premiums.

A single speeding ticket your teenager receives may hike the rates considerably. In fact, they may go up in the range of 100-150%.

Good Grades Help Reduce Teenage Auto Insurance Rates

Your teen’s performance in high school or college is taken into account by the insurer when it comes to auto insurance rates. When a teen or young adult gets good grades in the classes, they come across as responsible people and it may positively affect the premiums. Some schools also offer safe driving classes. You may inquire with your teen’s high school or college if they offer such a course.

Your Choice of Car Impacts Premiums

As any expert will advise you, the type of car your teen drives has a direct impact on the insurance rates. If your teen drives a small, budget oriented car, you’ll have to pay less in premiums compared to when your teen is driving an expensive car.

SUVs or sports cars are more prone to rollovers and high speeds, so you’ll need to shell out more for insurance. It might be a tough sell, but a stodgy, used car is also less likely to be stolen and will probably perform better in a crash test than a newer fancy/fast one. Stodgy means lower premiums.

If you own several cars, you may ask your insurer to assign your teen one specific car. In other words, you will tell the insurer that the teen will drive only a particular car, which will typically be the less expensive one. However, you must remember that many insurers won’t assign cars that way. They will assume that any member of the house can drive any of the vehicles.

Auto Insurance Liability limits

The question of just liability insurance versus full coverage is something you are going to put a lot of thought into. If you have only liability auto insurance for your teen, eliminating comprehensive and collision coverage, it will bring down the premiums considerably. However, there is other side of the coin. If your teen is involved in an accident, you will be financially liable for the cost to the other party. An alternative option is for you to get an umbrella liability insurance policy.

In short, research well and shop around for the lowest car insurance in Texas for your teen driver, before you make a final a decision.

Resource Box

The writer is an expert on Texas car insurance. He is currently associated with In Texas Auto Insurance, which is a platform for getting all insurance related information.

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Texas Car Insurance for Teens: Cheap

When you add a teenage diver to our Texas car insurance policy, the premiums can almost double. However, there are ways to get reduce the premiums. Find out why Texas teenage insurance is so costly and what you can do save money.

What the impact is of adding a teenage driver to your Texas car insurance policy is one of the most asked questions by parents. Usually adding a teenage driver to your policy can double the costs, but not always. No two families are alike and various factors come into play.

The good news is that teen drivers in Texas do have ways to keep the costs of insurance down. They can do that by obeying the rules of the road and using good judgment when behind the wheel on the road.

Texas Car Insurance Minimum Requirements

Texas car insurance minimum requirements include only bodily injury and property damage liability coverage. All drivers are required to carry at least $25,000 property damage liability to cover the damages they may cause to the property of another person. For all people injured in a single accident, it should cover up to $500,000. Adding a teenage driver in Texas would include additional collision and comprehensive coverage and will affect the premiums in costly way.

Texas Teenage Insurance: Costly Mistakes

For a teen in Texas without tickets, the average cost of liability coverage can be expected to be around $510 every 6 months. However, getting a single speeding ticket could increase the rates to over $1,300.

A single accident involving the car, without any other tickets, would increase your teen’s insurance rates around $1,400 for half a year. If your teenage driver is in one accident and gets one speeding ticket, the average cost of insurance will jump to nearly $1,600 for 6 months.

Bringing the Cost of Teen Car Insurance Down

Your teenage driver can be eligible for student insurance discounts by maintaining a 3.0 grade average or better. If they take a voluntary driver safety course, they will get another discount which is available to all drivers, including teenage drivers. You can also increase the deductible, the amount you have to pay before the insurance carrier will fix your car, to lower premiums.
Teen drivers tend to easily get distracted by other drivers and the excitement of driving a vehicle on road on their own. If they keep themselves in check, they will be able to keep tickets or accidents at bay.

Multiple Ways to Save on Teenage Car Insurance Costs

The type of cars can control costs: Having your teen drive a Camry, rather than a Mercedes; and encouraging them to keep their driving records clean can reduce rates in a major way. To make it easier on your wallet, put your teen in a big, sturdy vehicle rather than a zippy, small car.

Good grades and teen insurance: You must encourage your teen driver to do well in classes. If they get good grades, including the driver education course, it will positively affect insurance premiums.

Liability insurance only: If the car your teen will drives is old enough to get by with only liability insurance, your rates will come down substantially. It would eliminate the cost of comprehensive and collision coverage. However, many insurance companies use a technique called ‘driver averaging’. It is the practice of rating all drivers across all vehicles, resulting in higher premiums.

Separate car insurance policies: Always more costly: It will be better for your finances to have your teen driver on your car insurance policy, than paying premiums for a separate car insurance policy. If you have purchased your teen a new car, you can get discounted rates by the additional vehicle being added to your own insurance policy.

Avoiding Teen Car Premiums Completely: A “Named Exclusion” is the only way you can avoid paying the insurance premium for a teen. The endorsement denotes you and the insurance carrier agree that the driver is not covered.

Graduated Driver Program in Texas

The state has put in place a graduated driver program that gradually promotes new drivers into full control of the vehicle. They are initially issued a learner’s permits. When driving a car under this permit, they must be accompanied by a fully insured and licensed driver. This enables them learn the skills of driving safely. When they get matured as a driver and pass the test, they are granted the full license. Parents need to take safe driving as seriously as possible to keep their teenage drivers and others safe on the road.

Why Teen Insurance is More Costly?

Teenage drivers tend to drive dangerously, getting tickets and racking up accidents at rates much more than a typical driver. Simply put, they are a greater financial risk to the insurance company, therefore their rates are higher. You may have the safest, most conservative teenage driver in the world, but without good grades and a driver safety course – the initial premium rates will still be high because of the “calculated risk” the insurance company takes by insuring a teen driver.

Inclusion of Teen in a Policy

All insurance carriers in Texas will require that all licensed family members in a household be listed on a policy. It implies that whether they drive the car or not, you need to get them covered under the policy. When they get the learner’s permit, you should let the insurer know. A teen won’t be listed and incur insurance expenses until they get a license.

In the event you are divorced and have only part-time custody of the teen, you need to consult the Texas car insurance provider you work with. Companies have their own rules regarding such insurance. Usually, the parent with primary custody adds the new driver under their policy.

Resource Box

The writer is an expert on Texas car insurance. He is currently associated with In Texas Auto Insurance, which is a platform for getting all insurance related information.

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Business General Liability Insurance in Texas

In the state of Texas every business owner must have general liability insurance coverage to protect and run their business successfully. You need to find general liability insurance programs to suit the specific needs of your business, as well as get the best price for them. With your company assets protected for every occurrence, you can focus on your business with no worries.

General Liability Insurance in the state of Texas has been designed to protect business owners from a number of unexpected law suits which can occur anytime. Every business owner in the state needs to have the minimum amount of insurance to cover business necessities.

The basic idea of General Liability coverage is to safeguard business owners or operators from claims resulting from many different circumstances. These can be bodily injury claims from accidents that occur on your business premises, or claims from accidents that occur after using any of your products, as well as any other claims resulting from contractual liability.

So if there are any on-site mishaps, then you can be covered if the person sues you for bodily injury. Additionally, the Texas general liability coverage also covers you financially by supplementing payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

Small Business General Liability Insurance

Now, you may think that you have to be a big business with a hundred or more employees to get liability insurance. But you are wrong. Every business must have general liability insurance as accidents can happen anywhere and you can be slapped with lawsuit by anybody. Your business is a huge investment for you and must be protected from the damages of liability issues.

The coverage required under general liability insurance varies and you can discuss with your insurer so that they can come up with a customized policy for you to include different types and amounts of coverage. In most cases, a general liability insurance policy in Texas would ensure that your business is protected from fire, theft and vandalism. Your business will also be safeguarded against any lawsuits for bodily injury, property damage and negligence.

So, with a general liability insurance not only are you protected against people suing the business, everyone on your business premises or coming in contact with your set up is also secured. In other words, your customers, suppliers, delivery people, vendors and visitors coming on to your property are secure too. They will be compensated by your basic general liability insurances coverage for any bodily injury or damage that occurs at your premises.

Business Liability Insurance coverage protection

To summarize for all business owners, you can get general liability insurance to be covered against law suits following:

  • Bodily Injury – An injury that happens to someone in your business facility or an injury due to employee negligence.

    Completed Operations Liability – To cover the loss you face after having completed the project for the client.

    Personal Injury – If you face damages due to slander, copyright infringement, invasion of privacy, false arrest, or wrongful eviction.

    Advertising Injury – To cover the losses caused by your advertising

    Independent Contractors Liability Insurance – If you hire an independent contractor and he incurs some damage, then this damage from the acts of an independent contractor is covered by the insurance.

  • Remember that general liability insurance is a fundamental need for your business. It does not matter what business it is, what is its size or reach. You have to protect yourself and those who will be on your business property, or using your product. Protect your business and interests by opting for general liability insurance in Texas.

    The writer is associated with Texas Auto Insurance, the leading auto insurance comparison portal offering affordable deals on general liability insurance in Texas. Quotes provided by the portal are from the top insurance companies serving the residents of Texas.

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    Caution: Flood Damaged Vehicles

    If you are on the hunt for a new or used vehicle, it’s important to understand what to look for to avoid buying a flood damaged one. Flood damage is not limited to just used cars; new cars can have flood damage as well.

    Flood damaged vehicles can look and drive like new – as if the damaged never occurred. But after a few months the detrimental long term effects of the damage come to a head and hit you where it hurts, your wallet.

    Areas of a car that are damaged by flood that can be covered up are the electrical system, air bag electronic controls, anti-lock brakes, and many other safety features. Damage from floods to these areas may not come to light for months after a purchase.

    Avoid Buying a Flood Damaged Car

    There are a number of things you can do to avoid buying a flood damaged car:

    • Complete a title search. A title search will show evidence of flood damage if it occurred. But “title washing” can be done by moving the vehicle and title to a new state. To dig deeper and avoid getting ripped off try:

    o The Texas Department of Transportation (TxDOT) database of vehicles compiles a list of titles with flood damage. You’ll need the year, make and model or to shorten your search get the Vehicle Identification Number (VIN). You can also order a TxDOT vehicle title history from the TxDOT for a small fee. Visit http://www.txdot.gov

    o The National Insurance Crime Bureau has a database containing information about flood damaged vehicles. They have a free VINCheck database on their site: http://www.nicb.org

    o Lookup your vehicle history on http://www.carfax.com or http://www.autocheck.com to get a history of the vehicle. There may be a small fee for these services, but it’s better than a big expense later on.

    • Do a thorough visual search of the vehicle. Check for mud on the under carriage, under the dash, the seat and anywhere that a thorough cleaning might miss. Look for signs of rust or a high water mark. Some flood damage is permanent and nearly impossible to erase. A thorough search could reveal a lot.

    • Avoid buying form an individual. You might pay a little more from a certified used car or truck retailer, but the price could be worth it. These facilities often provide a warranty from the auto manufacturer, and not just the dealer. Flood damaged vehicles are excluded from automakers certified car programs, so you are safest buying from these dealers.

    • Take a long test drive and make an appointment with your local body shop. Too many things can be hidden from the untrained eye. It’s always a good idea to have an inspection of the vehicle prior to buying. You do it for your house, why not your car?

    • If you can’t take it for a test drive, don’t buy it. That means avoid buying a car from online auction houses.

    As a Texas resident, you have resources available to you if you feel you have been ripped off. If you think you are a victim of a fraudulent vehicle sale, call the Texas Attorney General’s office at 800-621-0508 or visit their website at http://www.oag.state.tx.us and file a complaint. Once that is done, focus locally and file another complaint with the Better Business Bureau at http://www.bbb.org. Be vigilant and file your complaints, it will help you and protect others from the same scam.

    Online Texas Auto Insurance

    To further protect your vehicle investment make sure you have the proper auto insurance coverage. You can use this online Texas Auto Insurance portal to get up to eight quotes in one online location. These quotes will be from well-known auto insurance providers like Geico, All-State, State Farm and more.

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    Texas Department of Insurance

    It may surprise you to learn that the Texas state government can be very helpful! The Texas Department of Insurance (TDI) is one such example. If you are searching for information on Texas auto insurance, this website can be an invaluable resource.

    Their job is to protect you, the consumer against unethical business practices of insurance companies, and the few unethical people within them. To be fair – most insurance companies are trustworthy and put forth their best efforts to serve their client base well. But then there are the occasional bad apples that spoil the bushel.

    We’ve all heard the stories…a fellow Texas files an auto insurance claim only to find out his insurance provider finds a loophole and won’t pay the claim. TDI is there to help fight for you and protect your rights.

    On the TDI website you’ll find informational links for:

    • Complaint Information
    • Consumer Issues
    • Consumer Publications
    • Consumer Services
    • File a Complaint
    • Senior Issues
    Teens and Young Adults

    And many more links to help guide you through the process of protecting your rights, filing a complaint against an insurance company and educating you and even helping with comparison shopping.

    Auto Insurance Price Comparisons

    TDI provides an auto insurance price comparison review to help Texas shop for the best auto insurance. These comparisons show the annual price estimates submitted to TDI by auto insurance companies on policies they are most likely to sell to new customers.

    These comparisons also list the discounts offered by the different auto insurance companies in Texas. And although finding contact information for Texas auto insurance providers is relatively easy, TDI has gone to the trouble of compiling and putting it all in one place.

    All Types of Insurance

    Although this site focuses primarily on Texas auto insurance, we know that readers also require home, boat and a whole variety of other types of insurance protection. TDI is a great resource for knowing your rights and saving money on insurance. Insurance information can be found on:

    • Auto Insurance
    • Worker’s Compensation
    • Flood Insurance
    • Hail Damage Insurance
    • Health Insurance
    • HMOs
    • Home Insurance
    • Fire Insurance
    • Flood Insurance

    In summary the purpose of TDI is empower consumers to generate price competition among providers and stop insurance companies from shifting the blame and burden away from them, and onto the consumer by continually raising Texas insurance rates.

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    How to Choose the Best Texas Auto Insurance

    The state of Texas requires every motorist to have at least the minimum required liability insurance, as a proof of financial responsibility. If you are buying Texas auto insurance for the first time, then you need to know how to choose an auto insurance company in Texas.

    The first step is to consider your personal situation

    - Do you have a loan? This will require full coverage auto insurance.
    - Having no Loan allows only the required liability insurance.
    - A vehicle low in value with no loan is a good option for the minimum required Texas auto insurance.
    - Increasing your deductible will lower your payment, but increase out of pocket costs in the event of an accident. Can you afford a random $200-$300 if you were in an accident next month?

    Before considering which auto insurance company to choose, it’s good to have an idea of what your needs are. Then approach companies who provide the type of cover you are looking for and at the rates that suit you.

    Online Auto Insurance Quotes & Research

    The internet is now the fastest and most complete way of doing this research – and you don’t ever feel the added pressure of an insurance salesman pitching you on things you don’t need, only to drive up their commission!

    The online Texas auto insurance quote portal banner above allows you to simply enter your zip code and some basic details, and get up to eight auto insurance quotes from the top insurance providers in Texas. These quotes will be viewable on your computer and emailed to you. They will be from companies such as All State, Progressive, Geico, AARP, Nationwide and more.

    Factors to Consider When Searching for Texas Auto Insurance

    Here are the distinguishing factors that separate the right insurance company from the unsuitable ones. Make a note of them and follow them to arrive at the best suited insurance provider for you:

    - Customer Service
    - Local Agents
    - Claim Filing Process
    - Reputation

    The Customer Service of the Company: Reputed insurance providers are known for their excellent customer service. It is important that you must be treated right when you buy your auto policy.

    However, good customer service is even more desirable in the ‘claiming a policy’ process. Your insurance company must have experts to handle your case when you are involved in an accident. Look for an insurer with a good support staff and dedicated claims call centers, with agents. The bottom line- the insurance team should be there for you wherever and whenever you need it.

    The Local Agents of the Company

    When you select or contact a company online, they usually send an agent over for further clarifications or at least give you a follow up call or email. So you must opt for companies with responsive and knowledgeable insurance agents. An agent is like your guide amidst the confusing insurance jargon and he can help in explaining what the right coverage is for you and help you decide what to buy. You can always compare quotes online in a faster way and judge for yourself what cover is right for you.

    The Claim Filing Process of the Company

    You must find a company where there is complete and absolute ease of filing in a claim. In the case of an accident, when you file for a claim, the company must show excellent speed of response. The company must respond to you promptly when you are in need of roadside assistance or need to file a claim. You must choose an insurer known for handling claims speedily, efficiently and professionally. Visit the Texas Department of Insurance to verify any insurance company’s performance and claim settling speed.

    The Reputation of the Company

    In the insurance industry, there are many providers who function way below the set industry standards, and you have to steer clear of such providers. So always rely on a company that has been in business for many years and has an excellent reputation. You can choose a company that has a long list of satisfied customers. Be sure to search the Better Business Bureau rating in your state for the insurance provider’s ratings. You can all do an online search for the company name and include the word “review” in the search term.

    Summary

    These are some criteria to help you choose a reputable Texas auto insurance company. Remember the number one key for finding affordable yet comprehensive auto insurance is to compare as many quotes as possible from reputed providers. Using the online Texas auto insurance quote portal will help ease the process of getting multiple quotes.

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    Advice on Buying Car Insurance in Texas

    Car owners who get adequate insurance coverage will be compensated, whatever be the reasons of their claim. A bit of extra premium will provide them a sense of financial security in case of a mishap. In Texas the law comes down hard on the offenders without auto insurance and even allows for impoundment of the vehicle.

    Car owners in Texas need to pay for the accidents they are involved in. It simply means that the law requires them to buy auto insurance, at least of the minimum mandatory liability insurance amount.

    Basic Car Insurance Coverage in Texas

    Basic coverage in TX is fixed at 30/60/25 which means that the minimum liability limits are:

    • $30,000 for each injured person
    • $60,000 – up to a total of per accident
    • $25,000 for property damage per accident.

    The minimum liability insurance is often not sufficient, thanks to the ever-increasing car prices and the high cost of medical care. Minimum insurance may not be enough to pay the costs, and the drivers may end up shelling out big bucks from their own pocket.

    Adequate Car Insurance

    Adequate insurance may protect the buyer financially. When buying insurance, car owners have to make sure that it would take care of protecting their financial interests. They need to assess their financial liabilities in the event of a mishap and decide on vehicle insurance accordingly.

    One issue that needs to be factored in is that liability insurance does not pay for own medical expenses or the car repair/replacement. For getting cover for such expenses, you need to purchase collision, medical payments and comprehensive insurance.

    Car insurance in Texas may pay for medical expenses, rental cars, towing, car repair or replacement, court costs and other expenses. It depends on the kind of coverage the person has purchase. As coverage may vary with the insurers, a car owner must read the policy thoroughly before buying it. Declaration section in the policy will produce the name of insurer, policy number, amount of insurance coverage and deductible, while things excluded will be covered in Exclusive section.

    A person can purchase eight kinds of coverage in Texas:

    1. Liability
    2. Collision
    3. Comprehensive
    4. Medical Payments
    5. Personal Injury Protection
    6. Towing and Labor Coverage
    7. Uninsured/Underinsured Motorist Coverage
    8. Rental Reimbursement.

    Car owners are allowed to add children to an auto policy to meet the state’s requirements regarding financial liability. Although it is expensive, it is cheaper than buying a separate policy. It is important to buy cover for the children because if someone not listed on the policy causes an accident, the company is not liable for paying the claim. They may even decline the request for renewal of policy.

    It is important that the car owners buy a policy that provides with optimum features with minimum rates. However, they must do some serious shopping to get the right policy. They need to visit a reliable website, go through the info provided and pick up a policy which best suits their interests.

    Tough Texas Laws

    The law in TX is tough on the offenders. An offense may attract fines of $175 to $1,000, suspension of driver’s license and impoundment of the vehicle. If persons without a driver’s license are involved in an offense, it may attract $2,000 maximum fine, 180 days in jail or both. If an accident results in serious injuries or death, the offenders may be punished with penalties of $4,000 maximum fine, one year in jail or both.

    Get Multiple Car Insurance Quotes Online

    The idea of contacting 3-4 car insurance companies for a car insurance quote seems daunting. With the web making our lives easier, now you can use this online car insurance quote tool to get up to eight car insurance quotes in minutes. Simply enter your zip code and begin the process. The 10-15 minutes it takes to get 3-4 quotes will likely save you hundreds of dollars on your Texas car insurance. This is time very well spent!

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    Car Insurance in Texas – How to Lower Rates

    Texas law makers have made it mandatory for motorists in the state to have car insurance. In this article we cover the average rates for car insurance in Texas, and how you can lower your premiums.

    The current average premium for car insurance in Texas is estimated to be $1,420.92. This is less than the current national average of $1,602.32. However, if you are in the cities of Houston or Dallas, then your car insurance premiums will be higher due to the inherent risk of living in a larger city.

    The estimated average premiums in these Texas cities are:

    • Houston average premium: $1,747.87
    • Dallas average premium: $1,540.52

    These are average amounts, and your premium might be lower if you are a good driver and opt for the minimum liability coverage of 30/60/25.

    Ways to lower car insurance in Texas

    Due to the population, there are many drivers in Texas. Many do not purchase the state required car insurance due to the high monthly premium costs. These drivers consider the risk of being caught as minimal compared to the mandatory monthly premiums they will have to pay for proper coverage.

    But this is a financially risky approach, as there can never be any guarantee on the roads and if the uninsured motorist causes an accident, or is caught by law enforcement and found to have no coverage, then the financial loss and penalties can be severe. That is why you must buy car insurance in Texas.

    Lower your premium costs by following these methods

    Car insurance shopping is quite like regular shopping. You must keep looking till you find the best coverage, at the cheapest rates. Car insurance rates vary widely depending on the insurance company, the type, and of course amount of coverage required. And most importantly, the type of vehicle you drive.

    Ask for discounts – Companies offering car insurance in Texas are in stiff competition with each other, and are often running special discount campaigns. So, you must ask the insurance company what type of discounts they have running – just as you would with your local cable company. You can also qualify for regular discounts like: driving school class discount, good student discount etc. There are many different types of discounts offered by car insurance companies; they just don’t advertise them.

    Multi-Car Discounts

    You can get a discount from the company by getting all the vehicles insured by one company.

    Multi-Policy Discounts

    Get your car, boat and homeowner’s insurance from the same company. You can get discounts on all three premiums.

    Secure Vehicle Discounts

    If you install auto alarm systems and other such equipment in your car, making it more theft proof, you may qualify for a discount on comprehensive coverage. You can also get discounts for air bags or automatic seat belts.

    Low Mileage Discounts

    Car insurance companies follow the simple formula of “the more time on the road, the greater the chance of an accident”. So, if you drive less than an established number of miles each year, you may very well qualify for a discount. If your annual mileage is low, you might want to consider a Pay As You Drive policy.

    Good Driver Discounts

    If you have had a pristine driving record and have no recent accidents or moving violations you may be provide an added discount. Be sure to ask each time you renew your policy.

    Age Discounts

    If you are 50 years or older, then you are entitled to a discount for being a matured and experienced driver. But don’t forget the “cycle of life”. The very old pose a greater risk to the insurance company and their rates are higher.

    Continual Coverage Discounts

    If you have been with car insurance provider for long, then they may give you a loyal customer rebate. You can see a rate reduction simply by staying with the same company. You just have to ask for it.

    These are some of the many ways to get good discounts on your car insurance in Texas. Car insurance rates are affected by a number of factors, and you must turn as many of them as possible in your favor.

    The writer is associated with “InTexasAutoInsurance”, a leading car insurance comparison portal, offering affordable rates for car insurance in Texas.

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    Fort Worth: Car Insurance in Texas

    Fort Worth is one of the busiest metropolitan areas of Texas and is known for its heavy traffic flow throughout the day. To secure yourself, as well as others on Fort Worth roads, you need to get the minimum mandatory car insurance in Texas. You must buy a suitable policy from state approved car insurance firm.

    Fort Worth, the ‘Cow Town’ of Texas has a population of 741,206 (as per the 2010 census). For the average person who lives and is employed in the area, the average commute time is about 25 minutes. With so much traffic on the road and all sorts of drivers behind the wheels, accidents are bound to happen.

    Fort Worth car crash statistics

    The Texas Department of Transportation released its annual Motor Vehicle Crash Statistics for the calendar year 2010, in September 2011. These statistics highlighted the crash numbers for Tarrant County, the City of Fort Worth and surrounding areas. This is why it is so important to have the right amount of car insurance in Texas.

    The entire report contains only the data obtained from Texas Peace Officer’s Crash Reports and the incidents that went unreported are not included in calculating the final 2010 crash statistics. The City of Fort Worth reported 9,639 total car accidents. In these incidents there were 1,758 serious injuries and 68 fatalities reported. These figures give you an idea the huge risks you take every day you go out on the roads. That is why it is mandatory for all vehicle owners to have car insurance in Texas. This is essential to protect everyone on the city roads.

    Car insurance in Texas minimum requirements

    The state of Texas is a Tort state. This means that in the event of a crash, one party is considered responsible for causing it. They have to pay for the bodily injuries and property damage occurring in the accident. Every driver has to be responsible for any physical or property damage he is likely to cause. That is why you need to acquire up at least the minimum state car insurance liability policy. This minimum liability coverage is called the 30/60/25. These figures can be expanded as:

    • $30,000 for bodily injury coverage for one person in a single accident

    • $60,000 for bodily injury coverage of all injured/dead in an accident

    • $25,000 for property damage coverage per accident

    The coverage amounts listed above are the minimum requirements for car insurance in Texas. The maximum can be any amount you see fit or can afford. By choosing a policy offering just the state minimums, you are leaving yourself open to loss. These amounts are too little to cover you adequately in the case of a serious car accident considered to be your fault. You must explore all the insurance coverage options feasible and study the various add-on insurance options too. To deal with the high costs of medical treatments and car repair, it always makes sense to choose a safe amount of policy coverage.

    Most residents in Fort Worth want insurance coverage as per their needs but are unable to find affordable premium options for the same. You can get a discount in your premium from your car insurance company under certain conditions.

    Car insurance discounts matter

    If you are a clean driver with no claims in the past 3 or more years, or you are with the military, or are B or higher grade student, or have union membership and bank member affiliations, or have attained a state driving school program, then you can ask for a discount form insurance providers in Fort Worth. Keep all these pointers in mind when you are looking for the best suited car insurance in Texas – in particular Fort Worth.

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    Tips for Cheap Car Insurance in Texas

    If you are looking for cheap car insurance in Texas, it’s important to know the state required minimum insurance levels. The state has the car insurance liability minimums set at – 30/60/25. However, people usually want a better coverage plan so they are better protected on the road.

    The problem with more coverage is that it cost more money! The National Association of Insurance Commissioners (NAIC) is a trusted industry resource and recommends certain discounts that you ask your insurance company about. If they do provide discounts mentioned below, you can choose one of them and find yourself saving money on your car insurance in Texas!

    Discounts for car insurance in Texas

    You can get a discount for a clean driving record. A good driving record in Texas gets you discounts from many car insurance companies. A good driving history makes you a lower risk to the insurance company. The lower the risk you are to them, the more money they’ll make by collecting on insurance policies and never having to pay out!

    Another not well known and often overlooked car insurance discount is good grades. If you are young and have a minimum of B average in school, then you are considered a low risk driver. Also if you have completed the driver’s education or driver’s safety course, then you may be offered a discount by car insurance companies.

    Texas car insurance multi-policy discounts

    Muti-policy coverage helps with added discounts as well. If you have more than one vehicle, than your car insurance in Texas could get cheaper. If you add your boat, house or umbrella policy all to the same carrier, you will find even greater discounts.

    If your vehicle is a safe one on the roads, it can also lead to lower car insurance in Texas too. In other words, if your vehicle is well equipped with safety equipment such as ABS, antilock brakes and antitheft devices, then the insurance companies can give you a discount. These features in the car mean that there is less risk of the car getting stolen or you getting severely injured in an accident. So the car insurance companies will have to pay less (make more profits) and they can give you a discount.

    A good business relationship also never hurts. If you are a longtime policy holder with the company for several years, then you can demand to be charged a discounted premium. It’s similar to your cable television where new customers get certain discounts not offered to existing ones. Yet if you call and ask for the retention department – odds are they’ll give you the same discount if you threaten to leave them. Insurance companies are no different. They paid to get you as a customer, and it’s cheaper to keep you then to acquire a new one.

    If you want to bet on yourself then raising your deductibles can reduce your car insurance in Texas. This tip will save you money month in and month out, as long as you don’t have an accident!

    Online quotes for car insurance in Texas

    Leading industry experts also suggest that buyers must gather as many quotes for car insurance in Texas as they can. One of the quickest and easiest ways to do this is through our online car insurance quote portal. Here you’ll get car insurance quotes from the nation’s top car insurance companies – all in one place – at the click of a mouse!

    Be prepared to answer a set of standard questions such as age and sex of the driver, the make, model, year, and vehicle identification number (VIN) of your car, your driving history and your neighborhood (where the car will be parked) and the type of coverage and limits you want.

    Based on this and more information you will give, the insurers will provide instant quotes. After you have a few comparable quotes, then you can choose the company offering the lowest priced car insurance in Texas.

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    Top Ten Ways to Save On Texas Auto Insurance

    Everyone likes to save money. And Texas residents love to save money in a big way, just like the state itself. If your auto insurance in Texas seems high, and you are trying to cut corners to pay for it, try the Top Ten Ways to Save on Texas Auto Insurance listed below. We did – and cut an additional $452 off the cost of our auto insurance last year. We expect to keep the same insurance carrier for the next five years, so our projected savings on our Texas auto insurance, home and boat policy is a whopping $2,260!!

    Tips to Save on Texas Auto Insurance

    1. Get Annual Policies: Insurance experts advise the purchase of annual Texas auto insurance policies over the six-month ones because the annual policy normally provides more savings. The fixed rate of the yearly policy secures you in case the insurance company decides to hike the rates on their bi-annual policy.

    2. Secure your vehicle: If you install anti-theft devices in your car, then you are not only protecting your asset but are saving on auto insurance premiums too. So buy a modern car equipped with theft devices and similar safety devices and you will get discounts on your auto insurance. Premiums are lowered for you because the insurers see your vehicle as a lower risk, and can offer you discounts on the premium.

    3. Lower your mileage: Auto insurance companies estimate the risk involved in covering a driver in Texas from the number of miles they travel in a day. They hold the view that the longer a person is on the road, the higher their chances of being involved in an accident are. So, when you supply the auto insurance company with your one way mileage, while applying for the coverage; your case will be designated to a particular class. This classification is then used to assign the premium costs to each group. Be honest – cheating and getting caught could mean the auto insurance claim you file in the event of an accident is denied.

    4. Opt for Comprehensive Storage Coverage: If you do not use your car and store it for a specific period of time, then you can save a lot on your auto insurance in Texas. If you go out of the country for months or for any other reason plan to put your car up for storage, then keep comprehensive coverage with your Texas Auto Insurance throughout the storage period. Liability coverage won’t be needed then, as the car will not be on the road and will not be likely to get in an accident, thus no need for the liability coverage.

    5. Multiple Policy Discount: If you have other vehicles that have been covered by an auto insurance provider then get your new vehicle covered by the same one. This is not only convenient, but you can also get discounts for having more than one account with the company, as most auto insurance companies offer special discounts to individuals who want to insure two or more cars. In fact you can get money off both the policies. Always remember that while filling the online quotes form of the insurance companies, you must indicate the number of cars you want insured.

    6. Look for a group discount: Ask your insurer if they give discounts for being member of certain groups or organizations. Get them to give you the list of organizations they offer discounts for.

    7. Increase Your Deductible: If you want to bet on yourself, you can increase your auto insurance deductible. Raising it from $250 to $500 can save you an additional 3-4% on your annual costs. The risk is that if you are in an accident, and at fault then you have to pay an additional $250 out of pocket before the auto insurance coverage kicks in.

    8. Drop Collision Insurance on older cars: Collision auto insurance is for repairs of your car in the event of an accident. If you drive an older car that is not worth much, it might make sense to drop collision auto insurance.

    9. Bundle other types of policies: By bundling your auto insurance with your home, boat and umbrella insurance policies, you could save an additional 4-5% on your auto insurance costs. Insurance carriers love bundling.

    10. Pre-pay your auto insurance: We all like to keep our cash, but if pre-paying can save you an additional 3% on your Texas auto insurance rates, it might be worth it. Prepaying your auto insurance in Texas is a common approach many take to reduce the overall costs of auto insurance.

    The writer is associated with “In Texas Auto Insurance”, a leading auto insurance comparison portal providing people with affordable Auto Insurance in Texas.

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    Little Known Ideas to Get Cheap San Antonio Car Insurance

    If you are a motorist who lives in San Antonio, Texas then you know that every vehicle in the state has to have car insurance on it. The challenge is to get car insurance that’s affordable. Read on to learn some of the most secretive, yet obvious ways to get cheap San Antonio car insurance.

    Choices for cheap San Antonio car insurance

    In San Antonio, you will find there are numerous options before you to choose cheap car insurance. The idea is to explore all the choices before you and in the same process, contact several car insurance companies and ask for quotes. Don’t be intimidated or overwhelmed by the thought of calling local San Antonio car insurance companies, all of this can now be done online with our online car insurance comparison quote system.

    Before choosing a car insurance policy, you must understand essential details such as the extent of the coverage being offered and the cost you will be paying for it. You must compare the San Antonio car insurance company, its reputation and weigh the quotes and benefits of companies pitched against each other, and then make the best decision for you. Sometimes it is all about savings, and sometimes service is an overriding important factor.

    Preparation helps buyers save on San Antonio car insurance

    Before you delve into the car insurance market, you should make an effort to be prepared with the insurance basics, so that car insurance does not seem like a foreign language. It helps to be aware of the different types of coverage and how each protects you, so that you know what is being talked about and what benefits you are getting with your car insurance quote.

    It is believed that while cheap San Antonio car insurance is available, people are unaware of ways to find such coverage, and more than a quarter of the population ends up paying higher than the average because of lack of research and effort.

    The main reason behind this is the fact that people do not explore multiple quotes. They simply stick to their old San Antonio car insurance provider and opt to renew coverage the moment it expires. You can save a lot on car insurance by simply being proactive; after all it is your money we are talking about here.

    San Antonio residents save $1000s on car insurance

    To save thousands of dollars over the next ten years, you must make a conscious effort to compare car insurance quotes. It’s best to get at least three quotes. Start your insurance hunt by using our online car insurance quote portal. You’ll receive quotes from the top eight San Antonio car insurance companies, all of them nationally known. A few of the company options are:

    • Geico
    • Allstate
    • AAA
    • AARP
    • Nationwide
    • Liberty Mutual
    • Progressive

    Take some time to research and obtain several car insurance quotes. But when comparing, remember to compare apples to apples. In other words, you have to compare similar coverage plans to get the best idea on quotes.

    Basic San Antonio car insurance savings tips

    There are some basic San Antonio car insurance saving tips that you can follow to save some more on car insurance in the city. For instance, you can:

    • Maintain a good driving record
    • Follow all traffic rules and drive safely
    • Get a multi policy discount by insuring more than one car
    • Install auto safety and security devices on your vehicle

    This last tip will reduce the chances of a theft, and with the reduced theft risk, the insurance companies will offer you lower premiums.

    Another great way to save on San Antonio car insurance is to have your mileage restricted. With restricted mileage plans to save on your premium, you are required to drive less. This is because with more miles there is an increased chance of an accident. So your mileage is a determinant to what you will pay and lowering the distances you drive will reduce the coverage cost.

    If you are getting San Antonio car insurance policy, then you can also save money by helping the teen driver on your coverage get better grades. This is because many insurers in San Antonio give discounts on teen driver coverage quotes if the teen gets good grades in school.

    Following these few steps will help you to get cheap San Antonio car insurance. San Antonio has many insurers and you must explore and compare before buying a policy.

    The writer is associated with “In Texas Auto Insurance”, a leading car insurance comparison portal providing people the chance to get the cheap San Antonio car insurance. San Antonio motorists have trusted the site for many years now.

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    Investigating Cheap Car Insurance in Texas

    If you own a vehicle in the state of Texas, then by law you are required to have car insurance to drive your vehicle on the road. Car insurance in Texas is important for many reasons including safety, financial protection and obeying the law. Choosing the right car insurance coverage is equally important.

    The laws for car insurance in Texas need to be adhered to very strictly. Being a tort state, in the event of an accident proved to be your fault, you are required to have adequate insurance to pay for the injuries and property damage happened in the crash. Obviously, you don’t want to end up paying for the damages from your savings, and this is the reason why you must get car insurance – at least the minimum liability coverage required by law to secure your interests.

    Car insurance in Texas is mandatory for everyone who owns a car and wants to drive. It does not matter whether you are a seasoned driver with a clean record and have had no accidents or incidents on the road, or a new teenage driver. Car insurance has been made mandatory by state law.

    As a vehicle owner, you need to buy car insurance to secure your assets in the event of an accident and be able to pay for the monthly car insurance premiums. Car insurance premiums made regularly not only keep you on the right side of the law, but also protect you in the event of an accident.

    Requirement minimums for car Insurance in Texas

    There are minimum requirements set by the state of Texas for car insurance, they are:

    • $25,000 for bodily injury or death to one person per accident
    • $60,000 for bodily injury or death to two or more persons per accident
    • $25,000 for destruction or loss to other property in an accident

    This basic coverage is also known as the 30/60/25 coverage, and you are required to have at least this amount to fulfill your financial responsibility of owning and operating a vehicle in Texas.

    Many experts agree that the minimum amounts required are not enough to safely secure your saving and assets in the event case of a serious collision where you are at fault. If it’s within your budget, opting for higher car insurance coverage could be the wisest financial decision.

    TexasSure – Texas car insurance monitoring program

    You cannot let your car insurance lapse in Texas because of a system called TexasSure. TexasSure is a program that allows law enforcement to have instant access to your car insurance status. If you have not paid your car insurance in Texas and the policy is no longer in effect, the car insurance company has to notify the state electronically – providing law enforcement instant access to a database with your insurance status. This program has greatly reduced the number of uninsured motorists in Texas since its inception.

    Online search for car insurance in Texas

    Now, let us talk about where you can find car insurance suitable to your needs and budget. Gone are the days when you have to flip through yellow pages or call others to know of reliable car insurance companies. The best place to look for the most popular, trusted and preferred car insurance in Texas is the internet. The internet allows you to search for insurance companies’ right from the comfort of your home. Say goodbye to the thought of going out and visiting every insurer’s office to get quotes. All you have to do is sit at your computer and search and get comparing quotes from leading insurers online.

    By using the car insurance quote comparison banner on this site, you’ll have access to the top eight car insurance Texas companies. Most of these are national car insurance providers well known because of their aggressive advertising campaigns. Our relationships help you get the cheapest car insurance in Texas and include the following companies:

    • Geico
    • Allstate
    • AAA
    • AARP
    • Nationwide
    • Liberty Mutual
    • Progressive
    • Elephant and more

    You will not only get cheap Texas car insurance quotes, you can also compare rates and coverage being offered by the competing car insurance companies. A search including at least three quotes will get you the best rates, all thanks to the fierce competition among these companies. They are fighting for every single account and by using the internet and our car insurance comparison quote portal; you can get a really good deal from them, where you get the desired coverage at affordable premiums.

    So by understanding your needs and keeping your budget in focus, you can wisely choose the coverage you need. Comparing quotes offered by insurers online is the best way to buy cheap car insurance in Texas.

    The writer is associated with “In Texas Auto Insurance”, a leading car insurance comparison portal providing quotes from leading insurers on cheap car insurance in Texas.

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    How to Choose Your Texas Auto Insurance Company

    If you have recently purchased a new vehicle or have moved to the state of Texas, then you need to buy Texas auto insurance from a provider licensed to sell auto insurance in the state. There is a vast sea of auto insurance providers in Texas and the first experience of entering into the insurance market can be overwhelming.

    In many ways that is just what the auto insurance companies want. They want you to be overwhelmed and make a simple choice, versus doing some research and saving money. That is why you see auto insurance commercials on TV all the time…the advertising works because very few people actually go through the process of comparing auto insurance rates from different companies. The easier choice is to pick the first one that comes to mind – and assume the rates are the same from all of them. Nothing could be further from the truth.

    You could also easily go with your existing Texas auto insurance provider, and in some cases you may get additional discounts on your auto insurance by adding another vehicle, but in order to pay the least amount of money it is best to do some comparison shopping. When it comes to Texas auto insurance, the process of doing the comparison shopping is now greatly simplified.

    Choosing the right Texas auto insurance company

    The coverage needs for auto insurance in Texas will vary greatly for each individual person. You should not just get the same coverage as the guy who sits in the cubicle next to you. Texas auto insurance companies use a variety of auto insurance factors to determine rates for each person, group or business.

    To get the best rates, you have to be patient – and diligent – if you are not and choose the first option provided to you, you’ll be doing the auto insurance companies a favor and padding their profits. With a little time and some effort – you can get adequate coverage as well as save money on your Texas auto insurance.

    Nationally known Texas auto insurance providers

    There are several approaches you can take to secure cheap Texas auto insurance quotes. You could start with listing all Texas auto insurance providers and contacting 5-10 of them for a quote. A complete list of every Texas auto insurance provider can be found at the State’s auto insurance commission. Insurance providers, whether a local or national one, have to be licensed within the state to provide Texas auto insurance to residents.

    Well known national auto insurance providers could be your best option for cheap Texas auto insurance. Through the Texas auto insurance quote portal on this site, you can get direct quotes from nationally known Texas auto insurance providers such as:

    • Geico
    • Elephant Auto Insurance
    • AAA Auto Insurance
    • AARP Auto Insurance from the Hartford
    • Nationwide Auto Insurance
    • Hartford Auto Insurance
    • Liberty Mutual
    • Progressive Auto Insurance

    Getting the right price on Texas auto insurance

    The next thing you have to do after narrowing down the list of Texas auto insurance providers is to bring your budget in focus and shop for the best deal. While the amount of coverage you need is also an important deciding factor, price is also a major influencer on the auto insurance buying process.

    In the state of Texas, you must carry at least the minimum required amount of auto liability insurance. If your vehicle is financed, you will most likely be required by your bank to carry full coverage auto insurance.

    You will see for yourself that the quotes offered by companies for similar policies can vary greatly. That is why it is recommended that you should get at least three auto insurance quotes.

    You can get quotes from the direct-to-consumer companies, or from independent agents, or through internet-based price comparison portals. The choice is up to you and what you prefer. If you prefer a phone call or face to face meeting, using your local agent may be best. If time and efficiency is a factor, using an online auto insurance comparison portal might be the best choice for you.

    The art of insurance shopping revolves around skillful comparison. You must make sure you compare apples to apples. Apples here refer to the level of coverage you have chosen to buy and for what vehicle(s). While you’re getting competing quotes, be sure that they are for the same levels of coverage, vehicle(s) and people.

    Does service matter with your Texas auto insurance?

    The purpose of a policy is that your insurance company must handle your claim justly, swiftly and professionally in the event of an accident. There are many ways to see what others think about the service that Texas auto insurance companies provide.

    You can go online to review sites to see what other customers of the company say about the claims process. Are they happy and did the claims process run smoothly? You can check out the Better Business Bureau to see the service quality details of the company and learn about the consumer complaints filed against it.

    While dealing with the company, you must ensure that they provide easy assistance and that they are easy to reach and sort your queries quickly when you file a claim. In addition, the basic and the most important factor is the company’s ability to pay on a claim. That is why many Texas residents choose nationally known insurance providers.

    We hope this information will help you choose the best insurer among Texas auto insurance companies. While it may be a tedious process, when you go through it and get at least three auto insurance quotes you can save hundreds of dollars – something we all need regardless of the economic times!

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    Car Insurance in Texas – Compares Quotes

    Car insurance in Texas is not an option, as you may know – it is a State requirement. Also, the state of Texas is a tort state – which means that when there is an accident – only one party is deemed to be at fault. Even if you have had a clean record, with no accidents or incidents on the road, car insurance in Texas is still mandatory.

    There are a number of car insurance companies in Texas and with the advent of the internet; the level of competition between each car insurance company has increased tremendously – which is good for the consumer. Now you no longer have to go out and visit every insurer’s office to get car insurance quotes – you can search for car insurance online in Texas, right from the comfort of your home.

    You can compare rates and coverage between up to eight car insurance companies and benefit from the fierce competition among them. Using the internet to find the best Texas car insurance deals, save time as well as save your money is easy to do with our online auto insurance quote program.

    Texas car insurance minimum requirements

    In the state of Texas, you are required to have car liability insurance minimums if you own a vehicle. This basic coverage is called 30/60/25 coverage. Where under the state’s financial responsibility law, you are required to buy liability car insurance, of $30,000 for each injured person, up to a total of $60,000 for all injuries per accident and $25,000 for property damage per accident.

    As you can see for yourself, the minimum car insurance coverage figures may fall short in the case of a serious collision. If you are deemed liable for the damage, then you will have to pay the rest of the cost from your pocket. That is why it is important that you get suitable car insurance coverage for yourself. In other words, Texas car insurance minimums may not be enough coverage for everyone.

    Car insurance in Texas varies with each provider

    When you will compare car insurance rates in Texas, you will see that the quotes offered by different companies for similar policies can vary greatly. This is because car insurance rates are all based on statistics – and each car insurance company has their own set of car insurance factors that apply to those statistics.

    Factors that can affect your car insurance rates in Texas are:

    • Your driving record
    • Your daily commute mileage
    • Your physical address
    • Your age
    • Your gender
    • Your vehicle type
    • Your credit score
    • Your education

    Texas Car insurance Consumer Reports recommendations

    Consumer Reports says that a general guideline for adequate bodily injury liability limits is $100,000 per person and $300,000 per accident, plus $100,000 for property damage. This much coverage will be paid by your car insurance company for the damages incurred in an accident you are held liable for. It is recommended that for covering all risks, you can also get $100,000 as uninsured motorist coverage. This will cover your medical costs and pay for bodily injury liability when someone with no insurance hits you.

    Cleary choosing a car insurance coverage level that suits you is important to know when you go online to buy Texas car insurance. Here at “InTexasAutoInsurance” a leading Texas car insurance comparison company we provide Texas car insurance quotes from leading insurers throughout the entire state.

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    Factors Affecting Houston Auto Insurance Rates

    Houston tops out our Top Ten Cities in Texas list, and is the fourth-largest in the United States. As a Houston resident, your auto insurance rates are much higher than average – compared to the rest of Texas. The reason you pay more for auto insurance in Houston is because of the inherent risks owning a car there brings. The roads are more crowded, auto thefts are higher and your commute to and from work is generally greater. These are all “risk factors” your auto insurance company takes into account when determining what your auto insurance rates will be.

    Houston residents must be aware that owning a car in the city requires you to have adequate car insurance coverage before you can operate your vehicle. This article discusses how Houston insurance premiums vary and what are the factors affecting them.

    Houston auto insurance – state requirements

    Houston, affectionately called as Space City or H-Town, has a population of 2.1 million people, according to the 2010 U.S. Census. If you have just moved in the city, then you need to be aware of the state laws regarding vehicle ownership and auto insurance proof of responsibility requirements. According to the Texas state laws, to drive a car in Houston you must have at least the minimum state required auto insurance coverage.

    If you are caught by a state trooper or any other law enforcement officer without your proof of auto insurance, then you can face severe penalties including heavy fines, suspension of driver’s license, and impoundment of the vehicle and even serving jail time. In some cases where the offence is quite grave and a motorist fails to present his proof of auto insurance or insurance policy, then it can result in immediate license revocation.

    A revocation of license means that a motorist is stripped off his driving privileges. Getting a license reinstated can be quite a challenge requiring the assistance of an expert attorney as well as imposing severe penalties to be served by you.

    Texas has a program called TexasSure which enables officers of the law to electronically check your auto insurance during a routine traffic stop. If you do not have adequate coverage or your auto insurance coverage has lapsed, the officer will know within seconds and your driving privileges could be revoked.

    Texas is a torte state – Houston auto insurance is the same

    Remember the purpose of Texas government requiring auto insurance in Houston is to make the residents financially responsible for any loss/damage your vehicle causes on the roads. Texas is a Tort state. This means that when an accident happens on Houston roads, then one party has to be responsible for it. The one proven to be responsible for the auto accident has to pay for the bodily injury damage as well as property damage that incurs due to the crash.

    Find cheap auto insurance in Houston

    Now that you know why auto insurance in Houston is necessary, you must look for auto insurance providers to give you a suitable deal with adequate coverage and affordable rates. One of the quickest, simplest and most effective ways to get cheap auto insurance in Houston is to compare online auto insurance quotes. We offer an online auto insurance quote comparison tool that gives you one location to get quotes from auto insurance companies such as:

    • Geico
    • AAA
    • AARP
    • Nationwide
    • Elephant
    • Progressive
    • State Farm
    • Liberty Mutual and more

    Now, when you will approach insurance providers for quotes, you will not help but notice the huge variations in their quotes for very similar coverage. Why does this happen? How do different companies come up with different quotes for the same coverage? What are the factors that affect insurance premium rates?

    Well we have listed some of the elements that affect the premium rates for auto insurance in Houston:

    1. Driving Record:
    2. Your Vehicle
    3. Keep a clean credit
    4. Lowering your deductibles
    5. Defensive Driving School certificate

    Remember that big, luxury and glamorous vehicles come with higher maintenance costs and hence are classified as high risk vehicles by auto insurance companies. If you can, opt for a car which suits your taste as well as is easy to maintain and drive, and packed with super smart safety features.

    A good driving history is crucial because it plays a vital part in being offered a choice of low-cost auto insurance in Houston. By being a cautious driver with no traffic violations on your record, your auto insurance rates will go down. With lower rates you will get the desired Cheap Auto Insurance. Houston has many insurance providers and you must make sure to compare rates online before striking a deal with any one insurance company.

    If your driving record is poor it could take years to erase the damage. A new type of auto insurance in Houston available to most resident is call Usage Based Auto Insurance or Pay As You Drive Auto Insurance. Review this as an option if you feel current driving patterns and vehicle warrant lower rates, but your driving history is bad.

    The writer is an auto insurance coverage expert associated with “In Texas Auto Insurance”, a leading online auto insurance rate comparison portal offering the cheapest Houston auto insurance.

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    Texas Car Insurance Laws and Quotes

    In Texas car insurance is a requirement, not an option. You must buy a car insurance that assures your comply with the car insurance responsibility laws. Here we discuss the car insurance coverage options in Texas. When you are involved in an accident, your financial security depends on the type of insurance you have.

    When you own a car in Texas (TX), some say the choice of car insurance coverage is as important as the vehicle itself. Texas’ at-fault laws require you to pay for the accidents you have caused, which simply means that you have to buy and maintain (read about TexasSure) auto liability insurance, at least of the minimum amount.

    Current Texas car insurance laws

    Currently, the basic Texas car insurance coverage is fixed at 30/60/25. This means that the minimum liability limits in Texas are $30,000 for each injured person, up to a total of $60,000 per accident and $25,000 for property damage per accident.

    However, the minimum liability car insurance is often not enough, thanks to the car prices and the high cost of medical care. In case of an accident, the minimum amount might not be enough to pay all of the other drivers’ expenses if you are determined to be at fault.

    Texas car insurance purpose

    The purpose of car insurance is to protect the buyer financially. When buying car insurance, you need to establish that it would take care of protecting your financial interests such as the repair cost of your car, injuries to yourself or others and so on. Make an assessment of your financial liabilities in event of a mishap and decide on your car insurance coverage amounts accordingly.

    You must also factor in that vehicle liability insurance does not pay for your own medical expenses or the car repair or replacement. You will have to purchase other types of auto insurance coverage such as collision, medical payments and comprehensive to pay for such expenses.

    TexasSure focuses on car insurance neglect

    Texas auto laws are tough on the offenders – those that don’t carry at least the minimum amount of liability insurance. The first violation attracts fine of $175 to $350, while more offenses would attract fine of $350 to $1,000, suspension of driver’s license and impoundment of the vehicle. An offense without a driver’s license would draw $2,000 maximum fine, 180 days in jail or both. If you cause an accident with serious injuries or death, you will attract the penalties of $4,000 maximum fine, one year in jail or both.

    Depending on the kind of coverage you have purchased, car insurance in Texas pays for medical expenses, car repair or replacement, rental cars, towing, court costs and other expenses. You must read your policy thoroughly as coverage may vary. The declaration section would show the name of your insurance company, your policy number, amount of your coverage and deductibles. Exclusions section will mention the things your policy does not cover.

    Types of Texas car insurance coverage

    Texas Personal Automobile Policy offers eight kinds of coverage:

    • Liability
    • Collision
    • Comprehensive
    • Medical Payments
    • Personal Injury Protection
    • Uninsured/Underinsured Motorist Coverage
    • Towing and Labor Coverage
    • Rental Reimbursement.

    You may buy separate coverage for items in your car for additional premium.

    A replacement car usually has the same coverage as the automobile it replaced. For instance, you were using a car which only has liability coverage; the replacement car automatically has only liability coverage. You will have to buy any extra coverage.

    Texas auto law allows for adding children to auto policies to meet the state’s financial liability requirements. It may be expensive, but certainly better than buying a separate policy. Do mind that if your child causes an accident and he/she is not listed on your policy, the company may deny your claim and coverage. They may also refuse to renew your policy later.

    Texas car insurance quotes

    “In Texas Auto Insurance” provides comprehensive information on TX car insurance, quotes and resources to lower your car insurance costs. To get cheap Texas car insurance quotes, use our quote comparison tool to get quotes from Geico, Progressive, AAA, AARP and other well-known and respected car insurance companies.

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    Texas Auto Insurance Claim Payout Process

    In the state of Texas, every motorist is required to have adequate auto insurance, so that he or she can fulfill the required financial responsibility on the roads. The process of being paid by an auto insurance company in Texas – in the event of an accident is covered in this article.

    Texas auto insurance – an at-fault state

    Every driver on Texas roads should be aware of the ways his auto insurance claims pay in the event of an accident. If you sustained injuries as a result of someone else’s negligence, then you have the right to be compensated for your damages. In Texas the at-fault driver in an auto accident has to pay for your medical treatments and other damages so that you are not hurt financially and physically because of the accident.

    In the event that the driver does not have adequate Texas auto insurance, then you will have to sue him for your damages. In case he has auto insurance you (or your attorney) have to work with a claims adjuster employed by his insurance company, towards getting a settlement.

    Every auto insurance adjuster evaluates an injury claim on the basis of the company’s procedures. There are some general evaluation criteria too, which are taken into account when determining how much money the injured party should receive as claim.

    Auto insurance adjuster – claim factors

    There are many claim factors taken into account when an auto insurance adjuster is reviewing an auto accident claim, including:

    The auto accident facts

    The adjuster will verify and investigate the entire incident. The auto accident, how it happened, where, who all were involved, at what speed, were any laws broken, when did the police come, etc., will be found out and made a note of by the adjuster for the auto insurance company.

    Who is at fault

    Liability is another parameter. The claims adjusters have to judge a claim for fault before they offer any settlement. In case it is clear that one party is liable for the incident, then there is no room for speculation.

    However, if the auto accident is one where it is difficult to determine who was responsible, then third parties need to get involved. Auto insurance reconstruction experts are called in to study the accident scene. These experts then follow their investigative and analytical process to determine how the accident happened and who was more at fault. In many cases, both parties have been declared to have been found guilty.

    Evaluation of the injuries caused

    The adjuster will also need to know the details of your injuries so that he may determine how injured you really are. They look through the reports very closely as they want to avoid fraudulent claims. The regular documents you will need to provide them with are a medical report from your physician with a diagnosis and a prognosis for your recovery.

    The calculation of expenses occurred

    The auto insurance adjuster will need to know the money you paid on medical bills as a result of the auto accident. The amount of money you lost as wages, while you were recuperating; and other expenses that may have occurred. So, to get claim settlement, be ready to supply the adjuster with copies of medical bills and statements, wage stubs, receipts for medicines and other expenses. Submit any payments you made to deal with damage to your property (unless you have insurance to pay for it). Usually, to determine the property liability, they will see the damage done to your car and estimate the amount it will take to repair it.

    At fault Texas auto insurance

    After all this information has been collected and processed, the adjuster will make an offer under the limits of the at-fault driver’s auto insurance. Texas insurance companies follow different formulas to calculate claims, and it is advised that you hire an attorney to negotiate your claims.

    The writer is associated with InTexasAutoInsurance, the leading auto insurance comparison portal, serving the residents of Texas. Auto Insurance comparison quotes from leading insurers like Geico, All-State, Nationwide, AAA and more are available at the site.

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    The Different Types of Texas Auto Insurance

    If you own and drive a car, you are required by state law to have auto insurance in Texas. The state requires you to have insurance as a proof of financial responsibility that comes with owning a vehicle. If you are a new entrant to the insurance market, read on to know about the types of auto insurance available in Texas.

    Texas auto insurance options

    You can choose from a number of auto insurance coverage in the state of Texas, they are:

    Liability Insurance

    The state of Texas is a Tort state, where one person is considered to be at fault for causing the accident. The person at fault has to pay for the physical and property damages occurred due to the accident. You are required to have minimum liability auto insurance coverage of 30/60/25 as per the state law. This amount will often cover the cost of medical bills as well as vehicle repair costs.

    In other words, as per the Texas state law you have to have coverage for Bodily Injury Liability -$30,000 per injured person up to a total of $60,000 per accident (for all injured), and Property Damage Liability coverage with a minimum limit of $25,000. If you think the minimum amount of liability insurance is too low, then you can exceed the minimum requirement and cover yourself more adequately.

    Collision Insurance

    Liability insurance will pay for the damages you caused to the other party in an accident. But what about the payment of damages you suffered? That is why you should consider collision insurance so that you can pay for the repair of your car if you have an accident and you are at fault. Collision insurance will cover your car’s repair costs or if the car is completely damaged, the coverage will pay you the market value of the car prior to the crash. Avoid this insurance if your car is very old and not worth the actual cost of insurance.

    Comprehensive Insurance

    You must remember that collision and liability insurance are for car accidents only. How can you be protected if a hurricane does damage to your car in Texas? That is why, Texas motorists sign up for comprehensive insurance that covers weather damage, animal collisions and theft. Arm your vehicle with the latest anti-theft devices to get some discounts on this insurance.

    Uninsured Motorist Protection

    There are many motorists on Texas roads who do not have any insurance – approximately twenty percent! In case you are in an accident caused by any such uninsured motorist, then you will have to pay for all the damages. That is why the need to sign up for uninsured motorist protection. This coverage is not mandatory by state law in the state of Texas.

    Personal/Medical Injury Protection

    Usually your health insurance will cover your medical bills after an accident. But to be completely protected, experts recommend motorists buy medical injury protection. This insurance pays for your medical treatment after an accident, irrespective of who was at fault for the accident.

    No-Fault Insurance

    This insurance pays for property damage and injury damage, regardless of who was responsible for the accident.

    Gap Insurance

    Texas residents can get gap insurance if their vehicle is new and they are still paying for the car. This insurance will pay its value in case the car got totally damaged; and you still have not paid all the cost of the car.

    These are the different types of Auto Insurance in Texas you must find adequate coverage for yourself to be safe on the roads. Search for the best quotes online and compare quotes to get the best and most affordable auto insurance policy.

    The writer is associated with In “In Texas Auto Insurance”, the leading insurance comparison portal, serving the motorists of Texas. Auto Insurance quotes from leading providers are available at the click of a button.

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    Tips to Buy Cheap Dallas Auto Insurance

    Dallas, the third largest city of Texas is one of the major metropolitan areas of the state. If you are a Dallas motorist you’ve discovered your auto insurance rates are higher than average. Discussed below are some smart ways to buy cheap auto insurance in Dallas.

    The city of Dallas requires motorists to have auto insurance coverage in accordance with the Texas State laws. The recent average premium that drivers have to pay in Dallas for car insurance is $1,541 annually. This amount is 84% percent higher than the state average rate.

    Now, if you are looking for cheap Dallas auto insurance options, then you would have to buy insurance in a smarter manner. The road to smart insurance purchasing begins when you choose the model of the car you plan to buy. If you consider the repair & maintenance costs, and safety features along with the make and model, then your insurance premiums have a good chance of being lower.

    Cheap Dallas auto insurance options

    Another thing that you can do to save costs on your Dallas car insurance is to choose the best suited coverage. The state of Texas is a Tort state and you are required to pay for the damages caused in an accident if you are proven to be at fault for it.

    As a bare minimum, you are required to carry liability coverage to pay for damage to other vehicles or injuries to other people if you are at fault in a car accident. But often the minimum amount of 30/60/25 falls short of the costs associated with a serious accident. This is when you need to choose well.

    Choose your coverage based on your comfort level, budget and lifestyle. If possible opt for higher deductibles and pay fewer premiums. If you have a new car, then get a better coverage so that you can protect your investment. If you drive an older car, find out its resale value and then determine the coverage you want for it.

    If you have a teenage driver on your policy and he has gone off to college, then consider taking him off the policy. All these smart moves will reduce the premiums you will be required to pay for your auto insurance Dallas.

    “Pay As You Drive” Dallas auto insurance

    On new alternative to typical cheap auto insurance in Dallas is “Pay As You Drive” or “Usage Based Auto Insurance” insurance. The basic premise of this type of car insurance is that you are charged a monthly rate based on your current driving patterns, versus your historical driving record. The problem with historical driving records is that it can take years to correct. Usage Based Auto Insurance using cell phone apps to monitor your speed, distance and bad habits that increase risk and rates like talking while driving or texting while driving.

    If cheap Dallas auto insurance is a definitive goal, then using one if the new Usage Based Auto Insurance plans may be the best fit. You can get quotes for cheap auto insurance in Dallas, and specifically Usage Based Auto Insurance using our free insurance rate comparison tool.

    How your Dallas auto insurance rates are determined

    If you know what affects your insurance rates in Dallas, you can alter certain things and get your premiums to come down even lower. Premium rates are dependent on a combination of factors such as:

    Driving history
    Vehicle model
    Other drivers in your family
    Your address
    Your credit score

    Keep your driving history clean, get a low maintenance car, pack the vehicle up with safety features and you can save on Dallas insurance premiums as you will become a lesser risk for insurance companies.

    Auto insurance discounts

    You can lower your premium rates with special discounts offered by insurance companies. You can get discounts for being a good student driver (for teenagers), paying your premium electronically and buying more than one policy from the insurance company. In some cases you may get a discount for being a loyal customer too. So do not hesitate and always ask you insurance provider if you are qualifying for any discount. Our Dallas auto insurance rate comparison tool asks and applies all of the auto insurance discounts available.

    Compare Dallas auto insurance rates

    The smartest way to compare price and service options of up to eight insurance companies before choosing one is to use our reputed online insurance comparison portal. You can get desired Cheap Auto Insurance. Dallas has many insurance providers and choose one only after you have compared thoroughly with others.

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    Pay As You Drive – Usage Based Auto Insurance

    If you are in need of auto insurance in Texas and trying to save money, you might want to consider Usage Based Insurance. This form of insurance is also known as “Pay As You Drive” (PAYD) or “Pay How You Drive” (PHYD) insurance. Some even refer to it as “Mile Based Auto Insurance” (MBAI). Regardless of the acronym you choose, saving money and being rewarded for driving less is the goal.

    Traditional auto insurance in Texas and across the US is based on “risk factors”. These risk factors are risk points that determine how much an individual pays for their auto insurance in Texas. Some factors include to following.

    • Age
    • Driving Record
    • Daily Travel to Work
    • Make & Model of Vehicle
    • Education Level
    • Credit Score

    Using historical data, risk factors determine how much your auto insurance premium rates are. The negative to this type of system for the insured, is that it can take a long time to erase the past – if it can be erased at all. With usage based auto insurance in Texas, you are being charged rates based on your current or present patterns of behavior, not the past.

    Usage Based Auto Insurance in Texas

    There are several forms of usage based auto insurance in Texas, with the simplest being when the insurance cost is based on the number of miles driven. Other methods and measurable factors can also include how far you drive, when and even how fast.

    Here are three types of usage based auto insurance Texas residents can use:

    • The odometer reading of the vehicle determines the premium coverage amount.
    • The amount of minutes the vehicle is used and measured by an APP on your cell phone or RF technology.
    • A combination of time of day, distance, time and driving actions.

    When the type is determined, it’s easy to add additional parameters such as extra premium costs for driving too long without a break, using your cell phone while driving or driving beyond the speed limit.

    Usage based insurance uses a cell phone app to automatically transmit information to the insurer. It is an ever changing dynamic system – constantly changing the cost to the insurer based on immediate driving patterns.

    The incentive to drive safely is very high here – and the financial benefits are immediate – each month your insurance costs would be different – and based on how you drove that month.

    Reduce Texas auto insurance rates with multi-quotes

    As Usage Based Auto Insurance becomes more prevalent, the need to get multiple auto insurance quotes in Texas becomes more necessary. Although Usage Based Auto Insurance rates go up or down depending on how you drive, the base costs will still be different depending on the auto insurance provider.

    Using a multi-quote auto insurance tool such as this one, will enable you to enter your information into the websites of up to eight of the top rated Texas auto insurance companies in about 10 minutes. The average saving is up to $500 for those who take the time to do it. Saving $500 in 10 minutes is the equivalent of getting paid $3000 in one hour.

    So whether you are specifically looking for Usage Based Auto Insurance in Texas, or trying to find a way to reduce your existing Texas auto insurance rates, using a multi-quote tool will help you get the cheapest Texas auto insurance rates available…taking action and making it happen is up to you.