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Car Insurance Quotes in Texas

Texas Auto Insurance Information

If you are a driver in the state of Texas, you are required to carry and insurance policy. The minimum insurance that is required is a liability insurance that covers 20/40/15. This means that for each person that is injured in an automobile accident they will cover up to $20,000 but not pay more than a combination of $40,000. The plan also includes that they will pay up to $15,000 for damage. Any fees after these designated amounts will have to be paid out of your pocket. Since many accidents can cost well beyond these assigned amounts of money, you may want to consider getting a higher standard of insurance through a licensed insurance provider. You are able to obtain medical, collision, and also comprehensive coverage.

If you obtain medical coverage through your insurance provider, this means that all medical expenses will be paid if there were to be an accident and people were insured. Collision coverage will cover the full amount of any damage done to the vehicles and the property of the people that were involved in the accident. Lastly there is comprehensive coverage, and this will insure your vehicle to cover the cost if your vehicle were to be stolen. You may also want uninsured/underinsured auto insurance. This will cover you in the event that you are in a collision with someone who is not insured, or someone who does not have enough coverage to pay for all of your expenses.

You can check the state of Texas website to see all of the laws that you are required to follow as a driver and what your liability insurance will cover. Not carrying insurance is illegal and if caught without it you will receive penalties. If you have any other questions or inquiries you can contact them by phone or email. When purchasing and automobile insurance policy make sure that the provider is licensed to provide insurance in the state of Texas. For more information, go to the following websites.

Texas Department of Transportation500 North Church Street
Palestine, TX 75801-3008
Phone: 903-723-7416

http://www.dot.state.tx.us

Texas Department of Insurance333 Quadalupe
Austin, TX 78701
Phone: 512-463-6169; toll free: 800-578-4677
www.tdi.state.tx.us

 

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