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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.