Insurance In The Lone Star State

Texas is a vibrant state full of character and history.

Texas is the second largest and second most populated state in the United States.

People who live here are proud to be Texans and loyal to their neighbors.

You can see this pride in the ways that Texans display their flags and wear their cowboy boots.

The way that people greet each other and tip their hats. People are open and love the richness that this state has to offer.

From owning a home out in the country to renting a high rise in the states capitol, people choose to live here because of the diversity and richness you can find all around.

Texas is known for its vast plains and gulf coast properties. It is a unique place where cattle and horses roam on the side of the road.

Where people have strange accents that ooze hospitality.

When you live in Texas, you know that life is good.

To keep the things you love most protected, you need cheap insurance. 

Insurance Facts

  • Texas is the second-most populous state with over 26 million residents who account for about 8% of the total U.S. Population.
  • Texas still owns all of its public land, so when the Federal government wants to build something, it must first ask permission.
  • As far as land mass is concerned, Texas is the second-largest state in the Union, after Alaska.
  • Texas law requires drivers to pay for accidents they cause.
  • Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident.
  • The at-fault party is then required to pay all damages resulting from the accident.

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Car Insurance

When looking through the options for cheap car insurance Texas offers, the more information at your disposal the better. There are well over 22 million registered vehicles in Texas, with an average car insurance premium of $1,661 for a 12-month period as of December, 2016. The price is higher than most states, but the good news is that plenty of companies are competing for your business.

Texas’ Car Insurance Requirements

  • Bodily Injury coverage requirements are a minimum of $30,000 per person and $60,000 per accident.
  • Property damage liability minimum requirements are $25,000.
  • Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers.

Other coverages to add to your policy for better protection:

  • Collision coverage which covers you and your own vehicle if damaged in an accident
  • Comprehensive coverage which will cover theft and small damages not incurred from an accident
  • Towing and Roadside Assistance will be greatly welcomed if you get stranded on the side of the road.
Discounts are everywhere!
  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts
  • Education discounts
  • Occupation discounts- Depending on what kind of job you have and how far you need to commute for that job could make a difference in your policy choice and price.
  • Excess vehicle discounts
  • Mileage discounts- Keeping low miles on your vehicle should keep your premiums lower.

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