Moving to Texas: What you Need to Know about Car Insurance Quotes in Texas
Everyone knows that car insurance is a necessity if you have a vehicle. However, you might not realize that the legal requirements for car insurance vary depending on the state you live in. If you've recently moved to Texas, you will want to make sure your car insurance is providing you with the minimum that is legally required.
If you own a car in Texas you will be required to register it every year as well as having it inspected. It is necessary to register your car in the county you are living in, and this is a statewide rule. How much this costs depends on the type of car you drive. In order to do either of these things, you will be required to show proof of insurance coverage. If you are pulled over for any reason, the officer will also ask for proof of insurance and you will be given a ticket if you cannot provide it. These are just some of the ways Texas enforces its car insurance laws.
While living in Texas there are certain insurance requirements you are required to keep. First, you will need to carry liability insurance at all times. This type of insurance coverage will pay for any needed auto replacements or repairs, as well as medical bills, for the other person involved in an accident if you are at fault. It will not pay these expenses for the person who caused the accident. Currently, the minimum you are required to carry is $30,000 for medical expenses for a single person, $60,000 for multiple people, and $25,000 for property repairs. Car insurance quotes in Texas should default to at least the minimum required by law.
Although these are the minimum amounts, it is a good idea to carry more. You should purchase the highest amount of insurance coverage that you can afford. If you get into an accident and do not have adequate insurance, you could be left with the bill. These bills can end up being hundreds of thousands of dollars.
To follow typical recommendations, it is wise to purchase collision and comprehensive coverage. This type of insurance coverage will protect your vehicle in a variety of situations. When you search for car insurance quotes in Texas, your quote will automatically give the option to purchase collision and comprehensive coverage.
You can choose the amounts and deductible that best fits your budget, but remember this coverage is in addition to liability – not in place of.
Finally, you should be aware of Texas' financial responsibility law. This law requires a driver to pay for the damages from an accident he or she caused. While this is typically covered under liability insurance, if you did not choose high enough coverage, the rest will be up to you. Violating this law can bring fines up to $1,000 dollars, get your driver's license suspended, or in some cases your vehicle taken away. Car insurance helps protect you from this, as well as protect others on the road.
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