Cheap Texas Auto Insurance

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.

Understanding the law when it comes to your car is very important, and it’s actually pretty cruciall when determining if you’ll receive great and cheap auto insurance in Texas. The state of Texas does not have a general cell phone law but they do allow municipalities to enact laws regarding cell phones and there is a law in place for cell phone usage in school crossing zones. Austin has a law in place banning the use of any wireless communication device while operating a motorized vehicle.

In June of 2009 a bill was passed and signed by the governor which prohibits the use of wireless communication devices in school crossing zones unless they are hands free. However, drivers under age 18 are not allowed to use wireless communications devices during the first 6 months of their original license. The exceptions to all of these laws are cases of emergency. Check with your city government to see if they have laws concerning wireless communications while operating a motorized vehicle to be on the safe side.

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.

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 as of 2006.

1. 1994 Chevrolet C/K Pickup (Full Size)
2. 1997 Ford F150
3. 1996 Honda Accord
4. 2003 Dodge Ram Pickup
5. 2000 Honda Civic
6. 1994 Chevrolet Suburban
7. 1990 Toyota Camry
8. 1994 GMC C/K Pickup (Full Size)
9. 1997 Ford Taurus
10. 2002 Ford Explorer

If your car happens to be on that list, you’ll expect to pay a bit more than what one would think. Even still, 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!

Useful links:
Texas Division of Motor Vehicles
Texas Division of Insurance
Texas Department of Revenue

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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