Car insurance is an absolute must for any driver. The legal penalties for not carrying this coverage have stiffened tremendously over the past few years in Texas. Additionally, there is always the chance that a bad accident can happen that could potentially ruin one’s life from a financial standpoint.
Comparing car insurance in Texas online can be a relatively easy way of checking out prices and different types of coverage.
Many people mistakenly think that when you obtain an insurance quote, that this has a direct effect on your credit rating. That is not true. Free quotes have no bearing on credit status at all.
Most car insurance companies in Texas provide you with detailed information about rates, types of coverage and terms. You can sift through a lot of information in a relatively short period of time. Whether it is 2 p.m. or 2 a.m. you can get free car insurance quotes online and in the privacy of your own home.
One other thing to consider is that there are no agents involved in the type of quote or the dollar amount of the quote. Agents are a middle man and they get a commission, so there is always a markup on the policy that can vary from agent to agent.
Free car insurance quotes online for the State of Texas will always provide the same numbers to the searcher each time they visit the site. There is no agent, so there is no markup. There are no other factors that can exist in terms of padding commissions or toying with the numbers.
I think all but two states require you to have liability insurance for any car insurance policy. But, Texas does have its own minimum liability requirements for any private passenger vehicle.
Texas state minimum car insurance requirements are 20/40/15. The first two numbers are for bodily injury liability limits and the third number is for property damage liability. The first two numbers in 20/40/15 mean that in an accident each person injured would receive a maximum of up to $20,000 with only $40,000 allowed per each accident. The last number refers to the total coverage per accident for property damage and that would be $15,000.
Remember, if you are involved in an accident that is your fault, and the damages are greater than the minimums that you have on your car insurance, you can be sued. Talk to your attorney about your own needs and the latest Texas minimums for auto insurance. I am not an attorney.
I personally think that free online car insurance quotes are the best way for anyone to maximize productivity, by allowing you to check out all sorts of insurance information within a company or between companies, and you can do so in a relatively quick period of time.
You do not have to make a lot of phone calls, be put on hold, or deal with any of the other potential problems that can occur with the intervention of an agent.