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Texas Car Insurance Online Quote

Since Texas state law is changing the minimum coverage laws for car insurance then rates are probably going to go up sending consumers looking for Texas car insurance online quotes hoping to save money. Don’t worry. Online quote options actually give you a better chance of finding car insurance that meets your needs for driving in Texas.

Minimum required auto insurance coverage in Texas is being raised to:

  • $25,000 in personal injury liability for one person
  • $50,000 limit per accident
  • $25,000 in property damage

If you are one of the people who find yourself looking for Texas car insurance quotes online do you understand how to compare those numbers?

Understanding Texas Car Insurance Online Quotes 

Your Texas car insurance rates are determined after the insurance company evaluates your risk for a claim after looking at several factors including your driving record, the type of car you drive, where you live, the claims you have filed in the past and your credit score.  A person without a history of moving violations will pay less for insurance than someone who even has a small number of tickets on their record in a three year time frame.

Websites providing online quotes will often provide the following information:

  • Websites will display driver profiles and there is a good chance that the profiles displayed will not be a perfect duplication of your situation, but choose the one that is closest.  The price estimates that are given are the same estimates that are given to the Texas Department of Insurance.
  • Financial ratings are usually provided by A.M. Best Company.  These ratings show the financial strength and performance of the company.  You want to pick an insurance company that has a B+ rating or better.  These are the companies that are stable and will be able to pay your claim if you have to file one.  (There are other independent rating companies that you can look into outside of A.M. Best as well as consumer magazines.)
  • The complaint index lets you know how many consumer complaints have been filed against a company.  The average complaint index is 1.00 (remember, no one company is going to make everyone happy all the time), you will want to try and avoid companies with a higher than average complaint index.

How To Find The Best Texas Auto Insurance Online Quote

  • Don’t take the first quote you are given and decide to purchase right away.  Shop around and even talk to independent Texas auto insurance agents.  Independent agents usually represent many insurance companies and can show you rates and information from at least 8 different companies.  They are also one of the best sources for asking questions where you understand your coverage.
  • Use our independent Texas auto insurance online quote shopping service to compare rates from the top TX auto insurance agents and companies online from the comfort of your home or office.
  • Avoid insurance companies that advertise they take high-risk drivers if you have a good driving record.   These companies charge higher premiums.
  • Higher deductibles mean lower premiums.  You want to avoid picking a deductible that you will have difficulty paying in the event that you end up filing a claim.
  • Don’t forget to look into discounts.  There are a number of discounts that can be had on your Texas car insurance and they vary from company to company.  Discounts may be available for having a safe driving record with no moving violations, having taken a defensive driving course, driving your car infrequently (less than 7,000 miles a years ), having specific safety equipment installed, having anti-theft devices installed.
  • Other ways that you can save money are by putting all your vehicles on one policy and buying your auto insurance and homeowners insurance from the same company.  It may also be more cost effective to drop any comprehensive insurance on older vehicles since you may be insuring them for more than they are worth.
  • If you are in the market for a new car, consider what it will cost to insure the car.  Since part of your premium is based on the make, model and age of a car a lot of people can afford an expensive sports car but not the insurance to cover it.

Compare Texas Car Insurance Online Quotes Now!

You can start your search for a Texas car insurance online quote now by entering your information into the easy to use tool that we have provided at the top of the page.  Get started finding Texas car insurance online quotes now!

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