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July 16, 2012

Texas Car Insurance Quotes

Texas Cheap Auto Insurance

Texas auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Texas.

People are generally getting tired of paying a lot of money for their car insurance policies. Considering that this is something that we must have by law, there’s a growing need for people to have their car insurance policies a little less expensive. Fortunately, there are more than enough amazing companies that offer cheap auto insurance in Texas and they really do some amazing things.

Texas Auto Insurance Law

Under Texas law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy for legal reasons. If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. Any exclusion will be listed in the exclusions section of your policy with all other conditions which release the insurance company from paying claims.

The state of Texas has put a new program in place which notifies the state if your policy has lapsed. Law enforcement officers and other state officials have access to this information. A lapsed policy is the same as not being insured at all. Failure to provide proof of insurance required by any communication from the state according to the conditions set by that correspondence will result in the loss of your driver’s license.

Common Practices of Auto Insurance Companies in Texas

Using your credit history to determine rates and renewals in the state of Texas is an accepted policy. Your credit history cannot be used to raise your premiums or canceling or refusing to renew a policy which is already in force. They have to show that the credit history is used only for evaluation purposes and is used in connection with other factors which have a direct effect on insurance claims. Keep in mind that insurance companies use several factors to make insurance decisions such as age, gender, marital status, driving record, and make, model, and year of vehicle to be insured.

Texas is a tort state which means you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers. The individual found to be at fault will be responsible for the damages and injuries which result from that accident. Most insurance companies will encourage you to carry more than the minimum liability insurance limits. As of 2006, the average insurance premium in Texas was about $820.00 and had the 20th most expensive auto insurance premiums in the nation.

There are some great options when it comes to cheap auto insurance in Texas. Luckily, we’re the service that’ll help you – as we’ve connected people with many great auto insurance policies in the past, using our free quote. If you feel as if you could be saving some more money on policy, give our quote tool a try or 1-800-530-5822!

Texas minimum requirements

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Liability Per Accident: $25,000.00 Limit

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