texas auto insurance quotes online

Is it time to renew your homeowners or auto insurance but you're dreading sending in the payment? Simply canceling the policy, without a new one in place, is just not an option. Texas state law requires all drivers to have a minimum amount of auto insurance, and your mortgage company requires you to have a policy in place for the duration of your loan on the property. So now is the perfect time to do some shopping around, get some quotes and compare the policies to find a new, more affordable insurance policy. Many people are able to find policies that give them more value for the same, or less, money. Better yet, it only takes a few hours of your time!

Texas Auto Insurance Coverage

Auto insurance in Texas can be a complicated matter. There are a number of different options available. Before you renew your current policy or get a new one, you should understand the basics so you make certain you’re properly covered.

Auto insurance does more than take care of your car in case of an accident, it covers the other cars involved too. If you did not have insurance and damaged a $100,000 vehicle in an accident, you would have to pay for the damages, but insurance helps you minimize this risk.

Minimum State Coverage

The state of Texas does have minimum guidelines that drivers must obtain after buying a vehicle. The minimum state requirements focus on liability and personal protection, but do not include any protection for a personal vehicle if there is a hail storm, a tree branch falls on the car or similar situations arise.

Overall, the state guidelines and minimum requirements offer a place to start. You may decide to purchase additional protection against theft, damage to your personal vehicle and any other concerns that may arise based on the potential risks that you want to avoid.

Types of coverage available for auto policies include: 

1. Liability – In the event of an auto accident, this type of auto insurance protects those insured against third party charges. 
2. Personal Injury Protection – Covers the policy holder’s medical and personal injury bills that occurred from an auto collision. 
3. Comprehensive Collision – Covers vehicle body damage and/or theft to specified vehicles. 
4. Uninsured Motorist – In the event there is a collision with an uninsured motorist, this type of insurance covers any personal injuries and vehicle damage that was caused by the accident. 
5. Towing and Rental – After making a claim, if a policy holder must rent a car due to extensive damage done to their own vehicle; this type of insurance covers the car rental expense and the towing cost of the owner’s vehicle from the accident site. 

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