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Low Cost Texas Car Insurance

In the Lone Star state, finding low cost Texas car insurance is a big deal. Being the second largest state in the United States means that there are very dense metropolitan areas where the chances of accidents or loss are high. Carrying TX car insurance is required by law, however, like Americans throughout the country, many Texans are concerned with finding low cost TX car insurance, especially in these difficult economic times.

The Necessity of Texas Low Cost Car Insurance

In the state of Texas liability coverage must be carried. The limits set by law are $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 property damage per accident. As with all other states, these limits are very low and should be in the range of $100,000/$300,000/$100,000 range to provide sufficient financial protection in the case of an at-fault accident. Therefore when you are purchasing Texas car insurance it is wise to go beyond the required liability limits. Texas is second only to California in the number of car accident fatalities that occur yearly. If you are at fault in an accident involving fatalities, your minimum coverage would definitely not cover it.

Other types of coverage that are recommended include uninsured/underinsured motorist coverage. Because Texas borders another country, there is an even higher rate of uninsured motorists in the state than in many other states, therefore uninsured motorist coverage protects you and your passengers if you are involved in an accident with one of these drivers.

Collision and comprehensive coverage provide physical damage coverage for your vehicle. These are not required by law, however finance companies typically require you carry such coverage. Texas has the second highest rate of car theft and the third highest rate of motorcycle theft in the country. This makes carrying comprehensive insurance even more important for Texas residents.

Tips On Finding Low Cost Texas Car Insurance

Even though Texas is neither amongst the most expensive states for insurance, nor the least expensive states for insurance, many Texans are still looking for low cost Texas auto insurance. Understanding how TX car insurance rates are determined will help you know whether or not you are even eligible for low cost car insurance.

The most important factor in your TX auto insurance rate is your driving record. If you have multiple tickets and/or accidents on your record in the past 3 years, you will find it very hard to get low cost car insurance. Where you live will also affect the cost of car insurance. Urban areas have higher rates than rural areas. If you live in a city like Laredo where car theft rates are exceptionally high, expect to pay more than in other cities.

Other things that impact your TX car insurance rates are your credit score, the type of car you have, what you use your car for, your claims history, your age, gender, marital status and whether or not you have been uninsured for a period of time in the past year.

When you are looking for low cost car insurance, it pays to shop around. Get as many quotes as possible and compare them for the best price. The easiest way to do so is by using a rate quote device that will give you quotes from many different insurance companies. You answer a few questions and in no time, you will have multiple quotes to choose from. Don’t pay for this service, as there are many free quote tools online.

Tactics for Getting Texas Low Cost Car Insurance

In your quest for lower Texas car insurance costs, reduce the number of miles you put on your car yearly. Consider raising the deductibles on your collision and comprehensive coverage or eliminating them altogether if the vehicle is no longer financed and its value is low.

Ask insurers for discounts, as they often have company-specific discounts that are rather unusual. You might miss out on them if you don’t ask. Install anti-theft devices on your car. Put all your vehicles on the same policy and if possible put your TX home insurance with the same company for a multi-line discount.

Let the insurance company know if your student gets good grades as it may give you a discount. If you have a new young driver on your policy and he or she is away at school, be sure to let the insurer know as this will save you money also.

Compare Texas Low Cost Car Insurance Quotes

To start comparing low cost Texas auto insurance quotes online all you have to do is enter your zip code above to get started. See how much you can save on your Texas car insurance today!

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