Cheap Car Insurance in Texas(TX)

Cheap Car Insurance in Texas(TX)

When searching for cheap car insurance in Texas, here are a few things you need to know about the Lone Star State’s requirements as well as what may affect the prices.

Texas(TX) Car Insurance Requirement

As of January 1, 2011, the minimum requirement for car insurance coverage has increased. Once a 25/50/25, Texas now requires a 30/60/25. This means that the state law in Texas requires all drivers to have car insurance that covers $30,000 for bodily injury liability for one person, $60,000 for two people in an accident and $25,000 for property damage liability. While this is the minimum requirement for drivers in the state of Texas, many insurance companies also suggest purchasing coverage for uninsured motorist bodily injury. Even though this is not the cheapest route, it is a common suggestion.

What Happens Without Car Insurance in Texas?

The first offense of driving without insurance results in a fine up to $350 plus court fees. A second conviction can land you with a fine of up to $1,000 as well as a two year license suspension. And driving without insurance or a license is even more costly. Punishment includes a fine up to $2,000, 180 days in jail or a combination of both. Since the consequences of driving in the Lone Star State uninsured can be high, make sure to find cheap car insurance in Texas.

Cheap Car Insurance in Texas vs. National Average

When it comes to getting cheap car insurance, Texas is right on the mark. While the national average is $1,552, Texas’ average is $1,566. Even though it is not below average, it comes in significantly close to the national average. And while car insurance rates have been increasing and decreasing over the years, the newest trend in Texas is cheaper car insurance rates.

Where to Look for Cheap Car Insurance in Texas

First, start by doing some online research. Visit carinsuranceinet.com, enter your zip code and look through the list of car insurance companies. This is a great place to begin your search because it allows you to compare prices, rates and coverage to find cheap car insurance in Texas.

How to Obtain Cheap Car Insurance in Texas

The biggest factor that will affect the price of car insurance in Texas is the driver’s past driving history. Speeding tickets, reckless driving or DUIs are the first things that will make insurance rates spike. If there is something on your driving record which seems to be a careless or reckless driving act, do some damage control. Often, by taking a weekend driving class, many insurance companies will lower the price.

Get Cheap Car Insurance in Texas With Discounts

Make sure to ask around for extra discounts or deductibles that may be available. Discounts can include a clean driving record, installing safety or anti-theft devices, good grades for young drivers, low car mileage or depending on the make and model of the car. Usually these are not advertised or made well known, so get to know your car insurance agent and ask how to make car insurance cheaper in Texas.