The saying ‘Everything is bigger in Texas’, holds true when it comes to auto insurance as well. When comparing the rates that people pay for auto insurance, the people in the state of Texas pay the 14 th highest rate for auto insurance paying an average annual premium of $1,620. But that doesn’t mean that you must blindly pay as much without shopping around for good insurance rates. In order for you to accomplish this, you need to compare as many quotes from various insurance companies as possible. There are many sites online that allow you to compare quotes in order for you to get the best rates for your auto insurance premium.
These comparison sites reveal how your driving chart looks like and some insurers will offer you dramatically lower rates than others.
Driving in Texas without carrying auto insurance is a very bad idea. Drivers in the state of Texas are required to carry:
- At least $30,000 in bodily injury coverage per person.
- $60,000 in bodily injury coverage per accident.
- $25,000 of property damage coverage.
The penalties of driving without insurance in Texas range from a fine of $175 to $350 for a first offense and $4,000 to a year in jail if you cause an accident that results in serious injury or death.
Hence given the severity of the penalties, it would be better for you to carry insurance that offers good coverage. Texas uses TexasSure which is a system of electronic verification to check and see to it that drivers are carrying their insurance. Insurers in Texas, however, have wide latitude when setting rates. If you a clean driver without a blemish on your driving record and compare the quotes of various companies, you might even get a premium that requires you to pay rates as low as $77 per month. In case you are a young driver who has two speeding tickets under your belt, then getting good quotes from insurance companies may not be that easy. That is why it is very important to compare quotes before buying auto insurance in Texas.
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