Texas Auto Insurance Options tagged: , , , ,

Texas Auto Insurance Options

Posted by in Insurance


If you reside in Texas, you are required to carry liability insurance in order to legally operate a motor vehicle. Texas auto insurance can be obtained online, on the phone or at a local agents office depending on which method of contact is most convenient for you. If you are in search of cheap monthly car insurance, there are several reputable insurers in the state dedicated to providing competitive rates and comprehensive coverage plans. If you are obtaining quotes, it is important to understand how Texas auto insurance policies work. Learn the basics on insurance coverages and have the information you need to build a comprehensive insurance policy.

Liability coverage is the only required coverage in the state of Texas. Drivers are required to carry both Bodily Injury and Property Damage coverage. Bodily Injury covers claims that may arise if the policyholder is deemed at fault for an accident that causes injuries. Bodily Injury will pay for the injuries as well as legal fees if the claim goes to court. Property Damage will pay to repair or replace a third party’s vehicle or property if it is damaged in the same loss. Texas requires insured’s to carry at least 20,000 per person 40,000 per accident for Bodily Injury and 15,000 per accident for Property Damage.

Optional coverages in the state of Texas are designed to protect the insured rather than third parties. Comprehensive and Collision coverage will cover your vehicle for covered losses and will pay to either repair or replace your vehicle if it is damaged or deemed a total loss. Other optional coverages include Uninsured Motorist Coverage, Uninsured Motorist Property Damage and Medical Payments coverage. It is important to quote several different coverage options when you are in search of a plan that is affordable and adequate. Protect yourself with sufficient Texas auto insurance and have the peace of mind you need when you hit the highway.