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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!