Most states require a certain basic level of car insurance and this is something you should be aware of before you buy auto insurance in Texas. This is especially important if you are relocating from another state. Some drivers make the mistake of keeping their insurance policy at the state minimum requirements from the state where they lived before they moved to Texas.
Unfortunately, this may not makes them legal drivers once they make the transition to Texas. Laws can also change, so you should stay up to date with what the state requires currently. To get a basic understanding of what you need to know when you buy car insurance in Texas, consider some of the guidelines in place.
The Breakdown of How to Buy Auto Insurance in Texas
Because regulations can change, it is important to be current and even this information could change. Of course working with a knowledgeable agent will help you meet your current state minimums when you buy car insurance in Texas. What you should know is:
- In the state of Texas to be a legal driver you must have at least liability coverage. Texas liability insurance means that if you are the at fault driver in an accident the vehicle and medical expenses for the other party will be covered. In other words, what you are liable for is insured. However, this will not help cover any of your own car repairs or medical bills.
- Currently the minimum amount of liability you would need when you buy car insurance in Texas covers three main areas. The total minimum per person is $30,000 with a minimum of $60,000 per accident. For coverage to personal property the Texas required minimum is $25,000.
- The bottom line, however, is that this may not be enough coverage. When you buy auto insurance in Texas, keep in mind these minimums may be exceeded and you would be left paying these expenses out of pocket. Not to mention you would still have your own vehicle and medical expenses to cover.
- If your car is financed, you will also need more auto insurance coverage than the state requirements. You must satisfy the guidelines of what your car loan terms require or else your lending company will tack on overpriced auto insurance. The bottom line is you will be paying for this coverage one way or the other, so why not make it on your terms and your desired premium rates.
Things to Know
As with other states with liability car insurance requirements, you can be in trouble legally if you are caught driving without this coverage. This could mean stiff fines as well as increased auto insurance rates when you do try to get coverage. Don’t wait until it is too late when you could compare quotes and save money right away.
By using your Texas zip code you can obtain quotes to compare and start seeing serious discounts. Don’t put off getting quotes so you can buy auto insurance in Texas as soon as possible. Find more information here.