Auto Insurance Texas 140

Seeking cheap car insurance in Texas is an important way that consumers can save money in their household budget. The best cheap car insurance in Texas gives you the minimum coverage required under state law so that you are legally authorized to operate a vehicle. You don’t want to get behind the wheel of a motor vehicle without the right kind of coverage, even if all that you can afford right now is cheap car insurance. You can get great car insurance online from websites such as thezebra.com and TexasQuotes.com.

Get the Facts on Cheap Car Insurance – Texas Style


According to the state of Texas, drivers need a minimum of coverage to fit the 30/60/25 rule. What this looks like is purchasing cheap car insurance with a minimum of liability coverage for hurting people with your vehicle: $30,000 for each injured person and $60,000 for each accident. In addition, you must purchase cheap car insurance coverage to apply to property damage resulting from your vehicle. This could be to another person’s vehicle or another kind of physical property. The minimum is $25,000 of property damage liability for each occurrence.

Cheap Car Insurance Explained: What Minimum Liability Doesn’t Cover


It’s easy to assume that meeting the 30/60/25 rule will keep you and your property protected in the event of an auto accident. With cheap car insurance, the truth is that this minimum coverage protects other people, not you and your family. If you are injured in an accident, your medical bills aren’t covered by liability insurance. If your car or truck is damaged, you are not covered for the loss. You have to purchase additional coverage to protect yourself and your vehicle. Those additional coverages will give you more financial protection, will exceed the minimum requirements under state law, and will cost you a higher premium. If you need these extra coverages, be sure to discuss them with a car insurance carrier prior to accepting a policy. Another rule of thumb is that you can start with the minimum coverage limits and then add extra kinds of insurance to protect yourself, your family, and your vehicle in the future.

Break It Down
In your budget, there are two major reasons why you will want to make room for the best cheap car insurance available on the Texas market. First, you want to be covered when you drive on the road. Second, you want to ensure that your vehicle is covered to satisfy the requirements of an auto lending company or auto leasing company. Without the right cheap car insurance, your vehicle is not protected, and you can face civil and criminal penalties for not having coverage in the event of an accident or adverse event. Once someone is hurt or their property is damaged by your vehicle, it is too late to purchase cheap car insurance to compensate that party. At that point, you have missed the window for fulfilling your responsibility as a motor vehicle operator under Texas law.

Shop Around for Texas Insurance

Finding the most economical provider of cheap car insurance in Texas is not as easy as it sounds. It’s best to shop around online and find the best quote for cheap car insurance. You want to check the insurance company’s rating with the state. A little research will help you ensure that your hard-earned money goes toward a high-quality insurance product. Don’t give your cheap car insurance premium to a Texas insurance company that has a problem maintaining its ability to write cheap car insurance policies in the state of Texas. Don’t buy cheap car insurance from a company with many consumer complaints or a reputation for not paying out claims.