Whether you’ve lived in Texas for a long time and need to get car insurance for a new vehicle, or if you’ve just moved to the state and need to find a new quote, it’s important to find the best Texas car insurance quotes you can. When you’re searching for the best quotes, it’s important to know what you’re looking for, know your potential weaknesses, and know your state minimum requirements for coverage.
Know what You’re Looking For
Of course, you’re looking for insurance quotes, but insurance is a nuanced business, and knowing exactly what you need can help make sure you aren’t paying more than you need to be. This is where knowing your state minimums, the amount and type of driving you do, and the amount of protection your car needs can all help you.
Currently, in Texas, the minimum bodily injury liability coverage is $30,000 per person and $60,000 per accident, so this is the bare minimum coverage you will need. The cost of this coverage will vary on a number of things, including your driving record and the make, model, and year of your car.
However, while this is the minimum required by the state, your minimum coverage will vary depending on other factors. If you are currently paying off your car, most lienholders will require you to obtain full-coverage insurance, which will pay to fix or replace your car if it is damaged by an at-fault driver. If this is your situation, you’ll want to look at Texas car insurance quotes that involve full coverage.
You may want to get full coverage even if you have paid off your car, though. If you have a relatively late-model car that you want to protect, this is a good idea. If your car is totaled in an accident, chances are that it would be much more expensive to replace it than to pay a bit more on your premium.
However, if you have an extremely old car that you suspect may die soon, you might prefer to save money by just going with a minimum coverage quote. This is especially true if you rarely drive, since rarely being on the road greatly decreases your chances of being in an accident. On the other hand, if you drive very often, you may want to opt for more coverage than the minimum, but perhaps not full coverage.
In short, before you go searching for Texas car insurance quotes , it can save you time and effort to have an idea of what kind of insurance you think you’ll need, the make/model/age/condition of your vehicle, and how much (and in what conditions) you drive. Knowing these things can help you expediently find the right quote for the right price, whether you’re using an online quote generator or talking to an agent in person.
Know what May Cause you to Pay More
Many people, especially new drivers or those who have amassed a large amount of tickets, may be surprised that their insurance quotes are more expensive than they had hoped. This may be especially surprising to younger or newer drivers. Statistically, younger drivers or those with short or nonexistent driving records get into more accidents, so their premiums may be higher, despite the fact that the short records they have may be completely free of accidents or tickets.
Even if you have a long driving record, even a single ticket may increase your premium, and convictions for reckless driving or DUI/DWI/OVI may also drive up your premiums. This may be discouraging, but in general, if after your conviction your record is clean for a number of years, your premiums will go back down. There generally is not anything you can do to reduce your premium if this happens, but some insurance providers will charge more than others if you have some issues with your driving record, so comparison shopping is your friend.
If you have to have multiple drivers on your insurance, comparison shopping is worthwhile as well. Particularly if you are including a newer driver on your insurance, your rates may go up significantly, and taking the time to compare quotes is worth it if you want to save money and find the best deal you can.
In summary, finding the right insurance quote can be daunting, but it doesn’t have to be difficult. When you have an idea of what you’re looking for and know your potential cost-increasers ahead of time, you can more easily find a quote that suits you and any other drivers on your plan. If you’re just beginning your search, paying a visit to our quote form can help you answer any questions and get a good start on finding the right deal for you.