Get Cheap Liability Insurance in Texas
Texans must be financially responsible for any injuries or property damage that they may cause with their vehicles as a result of traffic accidents; this is most commonly done by obtaining a car insurance policy from a licensed provider. Currently, state law requires that motorists who choose to purchase an automobile policy must have minimum liability limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people and $25,000 for property damage (commonly referred to as 25/50/25); these limits will increase to 30/60/25 on January 1, 2011.
The state has very strict laws when it comes to automobile coverage and it is in a motorist’s best interest to remain insured at all times if they will be operating a motor vehicle. Getting cheap liability insurance in Texas can be done and in many cases will prove to be a very good decision compared to driving uninsured. Being convicted of operating an automobile without coverage for the first time can result in a find of up to $350 and subsequent convictions can lead to fines up to $1,000, suspension of a driver’s license and the impoundment of an automobile; this can be far more costly than having an auto insurance policy in the first place.
Finding Cheap Liability Insurance in TX
Of course individuals look to pay as little as possible when looking to obtain automobile coverage, but consumers must realize that the only way they are going to obtain cheap auto insurance rates is by doing the work to find them. This includes contacting companies, researching coverage options and comparison shopping. There are a multitude of insurers in the Lone Star State and each has their own list of premiums that they charge applicants; the only way to find out which will offer the best deal to a particular individual is to take the time necessary to compare quotes from as many companies as possible.
As Texans begin to comparison shop for vehicle policies they should be aware of the many ways that they can reduce premiums for liability coverage. One important issue is to make sure to take advantage of any discount that an insurer may offer; consumers should keep in mind that not all carriers offer the same discounts and the percentage deducted can vary. For instance, while one insurer may offer a discount of 10% for a good driving record another may offer 20% so consumers check to see how much the premium will be following the deduction and remember that a company offering a bigger discount doesn’t make them cheaper; if they have high premiums to begin with, then the chances are a discount won’t help much.
Other discounts on liability policies are given for taking defensive driving courses, students who have good grades, vehicles equipped with anti-lock brakes, low annual mileage among others. Be sure to address any discount that you may be eligible for. Although some will automatically be applied because of a vehicle identification number indicates certain features, the insurer may be unaware of a student’s grade point average or an individual’s completion a a driving course. Texans should also refer to a publication titled, Automobile Insurance Made Easy provided by the Texas Department of Insurance which provides valuable information and helpful tips to use when shopping for coverage.