Finding The Cheapest Car Insurance In Texas

January 28, 2021

How To Find The Cheapest Car Insurance in Texas

Understanding Car Insurance – The Basics

Though it might be a tiring process, understand this – car insurance does serve a purpose and is not a fraud. Imagine a scenario where you cause an accident, and the other driver sues you because you do not have enough insurance to afford their medical expenses. What if your car gets smashed against a tree and you can’t replace it? What if you sustain an injury? Having better insurance can protect you, your wallet, and your family in such situations.

Car insurance will not only save you against financial ruin but will also protect your vehicle from damage during accidents. You need to pay an annual premium, and in exchange, the company will make it up for the rest of the damage.

With multiple price plans, these insurances are customizable according to the needs and budget of an individual. Generally, these policies are valid for six-month to one-year, while the company will issue you a renewal notice of your insurance when it ends.

While many states struggle with implementing proper auto insurances, Texas auto insurance is different. With the highest number of licensed drivers, Texas’s auto insurance market is considered the largest market in the country that greatly depends on your location, age, driving record, and the type of vehicle you drive. Therefore, the most convenient way to find a policy you can go with is to compare quotes for Texas simultaneously.

Read further to know all about the cheapest car insurance quotes in Texas and how to get them.

Car Insurance Quotes in Texas

While getting auto insurance is essential, what company and coverage you select are key factors in determining your insurance cost; each insurance company will quote a different amount for each person. There are other factors as well that affect how much you pay:

For good drivers, auto insurance rates can be low for Texas drivers who have a clean driving record with no moving violations included. Good drivers with good credit can get cheaper car insurance quotes. Out of many Texas car insurance companies, Texas Farm Bureau and Geico offer drivers the most affordable options per year.

For Drivers with A DUI

Getting car insurance after a DUI can be costly and may charge you with court fees, reinstatement fines, SR-22 filing, and additional years to pay for the car insurance. Therefore, it is better to compare three or four auto insurance quotes from multiple carriers to help you decide which companies offer affordable DUI rates. On average, Texas Farm Bureau and Republic Group offer the cheapest car insurance rates for drivers under the influence.

For Drivers with Good and Bad Credit

Your driving record isn’t enough to get you the cheapest car insurance. Poor credit can incredibly affect your insurance premium. According to many surveys, on average, drivers with bad or poor credit are likely to pay an extra $1000 every year than drivers with good credit. Texas Farm Bureau and Geico are the cheapest companies with average rates for insurance.

For Drivers with an At-Fault Accident

That sinking feeling you get after you commit an accident is no exaggeration. And in Texas, it isn’t easy to get rid of an at-fault accident when it’s on your record. Here, comparison shopping seems to be a good idea, at least at times when your policy is up for renewal. To make up for your damages, Texas Farm Bureau and Republic Group offer reasonable insurance rates to drivers being at-fault for an accident.

For Speeding Drivers

With a speeding ticket, your record is impacted by the extra mph. The risk to insure you increases, and so the rates of your auto insurance will get higher as well. Therefore, hunt for a suitable time to shop around for better rates and discount programs such as driving courses.

Texas Farm Bureau and Geico in Texas offer competitive rates for drivers with one or more speeding tickets. Remember that a speeding ticket is valid for three years, and an increase occurs during the policy renewal time, not immediately after the ticket is written.

For Young Drivers

Well, when it comes to adding a teen or young driver to an auto insurance policy, it isn’t easy at all. In Texas State, an individual under 40 is likely to pay higher auto insurance coverage rates than the average driver. While 21-year-olds are still considered a high risk to insurers, they benefit from the variety of driving records as factors for calculating premiums.

The best way to do so is to offer good rates and discounts such as student discounts to lower rates. Geico and Texas Farm Bureau are seen to offer affordable insurance for young Texan drivers.

The Best Car Insurance Carriers in Texas

Several insurance companies in Texas offer different rates but identifying one with an affordable policy is a bit difficult. While you go for the best cheap car insurance in Texas, keep in mind to consider the company’s customer complaints, coverage options, and customer satisfaction ratings.

Car insurance companies in Texas that offer affordable insurance rates include:

1. State Farm

The biggest and cheapest car insurance provider, with millions of drivers wanting to insure their vehicle from State Farm. It offers affordable rates and several discounts, including claims-free, good student, vehicle safety equipment, and bundling policies. It also allows customers to access a variety of online resources, endorsement policies, and mobile tools.

2. GEICO

While the price is its centric selling point, Geico offers drivers some of the cheapest car insurance rates. This company offers customers vehicle safety discounts and other discounts such as good drivers, good students, and federal employees.

It offers lower average rates for good drivers with poor credit, drivers with an at-fault accident, and speeding drivers. While the company is known for its best tech and apps, at the same time, Geico with limited coverage options is the biggest drawback.

3. USAA

This company limits itself to only military members, veterans, and their close family members. While not everyone can qualify for USAA insurance, those who do can benefit from its cheap and affordable rates. USSA offers customers customizable coverage, good customer service, and several discounts including for safe drivers, insuring a new car, loyal customers, garaging a car on a military base, and storing a car during deployment.

How to Get Cheapest Car Insurance in Texas

To get cheap car insurance in Texas, you need to:

  • Advance payment of premium: Many of the insurance companies offer customers a discount who are ready to pay their annual in full, instead of paying it monthly.
  • Get multiple auto insurance quotes: Before you pick your insurance company, it is advisable to compare quotes from different companies to see which providers offer affordable rates and most discounts.
  • Improve your vehicle: Most insurance companies offer discounts to vehicles with particular features and are upgraded. You can either install an anti-theft device or anti-lock brakes to lower your premium rate.
  • Take a defensive driving course: Look for insurance companies that offer discounts on completing an approved defensive driving course reduction.
  • Work on your credit score: Insurance companies issue you a premium based on your credit score. The lower your credit score is, the higher the premium you will have to pay.

Liability Coverage for TX Drivers

To drive in Texas, you need to get insurance. Without insurance, you might end up being caught by the police. If the police are unable to catch you, the vehicle insurance verification program, TexasSure, will alert officers and tax assessor-collector to verify if the particular driver has insurance through their database. Violating Texas laws for auto insurance can land drivers into a pool of fines and penalties:

  • For your first time - $175 to $350 fine
  • For continuous violation - $350 to $1000 fine
  • Driver license suspension
  • Taking your car into custody

Texas requires all drivers to carry car insurance with them at all times.

Getting liability insurance can help solve problems likely to occur during vehicle accidents. It will pay for the damages and injuries you cause to others but within the policy limits. So, in case you bought a low level of liability car insurance, there are chances for you been sued by others for their accident bills, exceeding your insurance limits.

To drive legally in Texas, the minimum requirements of the basic liability car insurance include:

  • $30,000 for bodily injury per person
  • $60,000 of bodily injury per accident

Bodily injury liability coverage protects drivers against situations in which their car is involved in an accident and harms another individual. Texas State Law has set a minimum limit of $30,000 for injury to a single individual to a maximum limit of $60,000 for injury to multiple people. Additionally, the liability coverage can help the offender with the costs required in legal proceedings as a result of an accident.

  • $25,000 for property damage per accident

With the limit set to $25,000 for property damage, the liability coverage of an insured driver will pay the cost for damage repair to another’s property. It will also cover the cost of legal proceedings following an accident.

Moreover, medical bills for multiple people might exceed the payment levels. This policy automatically includes personal injury protection (PIP) coverage. PIP coverage pays for the medical expenses, lost wages due to missed working hours, and household replacement services. So, drivers can request it in writing from their provider since it is no legal requirement.

Furthermore, since liability insurance doesn’t cover damages to your vehicle, you will have to go with optional coverages of comprehensive and collision.

Get Your Texas Car Insurance Quote with OfficialCarInsurance

Don’t have plenty of time to figure out which company offers the best car insurance in Texas? Well, don’t stress! Go to OfficialCarInsurance.com and get suitable car insurance quotes.

With an attempt to make insurance shopping suitable and cost-beneficial for all, OfficialCarInsurance is an easy-to-navigate service that offers its customers multiple insurance quotes from selective local insurance specialists to companies that use their customer alignment technology.

Once OfficialCarInsurance receives some base information about you, it will connect users with several insurance agents. The rates can vary depending on factors such as your coverage limit, deductibles, driving record, education level, occupation, the area you reside in, and the type of vehicle you own.

This referral service also offers consumers various discounts like safe driver, association and alumni membership, and other few discounts.

To get cheap liability car insurance, you have to enter some basic information, a zip code, and select the coverage level you will prefer. Then, OfficialCarInsurance will compare quotes from various companies and will allow you to pick one with the cheapest rates. Amazingly, OfficialCarInsurance compares multiple quotes with several carriers, with some starting as low as $19 per month.