Texas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by purchasing liability insurance. Liability insurance pays for the repair or replacement of the other driver's car and pays for other people's medical bills when you're at fault for an accident. While Texas doesn't require drivers to have insurance against uninsured or underinsured motorists, it's a good idea to consider including it in your policy.
You will need to carry your insurance card or proof of insurance with you in your vehicle, in case you are asked to present it to a law enforcement officer during a traffic stop. Other types of insurance are also available, so it's important to do a lot of research before you buy and understand your options. If you are at fault for an accident in Texas, insurers will increase your total coverage rates by an average of 149%. For those who aren't quite sure what exactly it means, “full coverage is a general term for insurance that covers you, other drivers and your vehicles.
The amount of car insurance I need and the amount of car insurance required are two very different questions. For example, in Texas, auto insurance companies are required to offer personal injury protection (PIP) to policy buyers. If you're looking for the cheapest car insurance possible, you can purchase a policy that only meets the Texas minimum state requirements for liability insurance. You will have to pay any medical bills or auto repair costs that exceed the limits of your auto insurance.
Car insurance is usually more expensive in cities than in rural areas due to increased traffic, which can lead to more car accidents and insurance claims. Remember that car insurance premiums are a combination of several factors, so the quotes you receive from the companies listed above are likely to be different from the average premiums. If you have bad credit, you're likely to pay more for auto insurance than for someone with a good or excellent credit history. While state minimums are fairly straightforward, safer means more protection in the event of an accident, so it can be helpful to understand your coverage options beyond the state minimum requirements.
The first page of your policy, called the declarations or deductibles page, shows the exact name of your insurance company, your policy number, and the amount of each of your coverages and deductibles. The good news is that there is no deductible in your liability coverage, but for your comprehensive and collision policies, insurance companies will ask you to choose a deductible level.
