All states have their own set of car insurance rules. In Texas, all car owners must meet minimum liability requirements on any vehicle they drive. The minimum requirements are $30,000/$60,000/$25,000. If you do not have proof of insurance, or do not carry insurance on your vehicle, you will face tough consequences if you are stopped by a police officer.
- The first offense for being caught without car insurance will result in a fine of at least $175 and as much as $350, in addition to any court fees.
- Subsequent offenses will result in fines of as little as $350 and as much as $1,000, in addition to court fees, impoundment of the vehicle at your own expense, and the suspension of your driver’s license for as long as two years.
- Once convicted, you will face a yearly surcharge of $250 for three years to maintain your Texas driver’s license.
- Last but not least, when you finally do purchase Texas auto insurance, it is safe to assume that your car insurance premiums will be much higher than they would have been had you simply purchased insurance in the first place.
Don’t drive on the road without Texas auto insurance. Keep in mind, the state of Texas has an insurance verification system called TexasSure, so a police officer can easily know if you have insurance.
Whether you’re looking to compare auto quotes to find lower rates than your current insurance carrier charges, or you’re in the market for your first homeowners insurance policy, comparing insurance quotes can save you lots of cash while still getting you the coverage you need. What follows are four useful tips for comparing insurance quotes.
- Get tailor-made quotes. Everybody has their own unique set of circumstances and requirements when it comes to insurance coverage. Provide as much information as possible when comparing insurance quotes so you get a realistic idea of what kind of coverage you can get at the rates you can afford.
- Read the fine print. When comparing insurance quotes, it’s not enough to simply select the one with the lowest rate. You need to fully understand what kind of coverage each quote promises and what your deductible will be. Make sure to select the quote that offers you first and foremost the coverage you need, even if it costs a little bit more.
- Research insurance carriers. After comparing insurance quotes, you might want to consider comparing insurance carriers. Visit some consumer review websites to see how other customers rate each company. Find out how quickly each responds to claims, how efficient their customer service departments are, and how they settle disputes.
- Investigate what each company’s long-term policies are. Continue comparing insurance by calling each company to find out whether the quote you have is a special offer. Sometimes, temporary offers result in a rate hike after six or twelve months. Of course, it’s also important to ask if a company offers discounts for long-term customers that might kick in when you retire. No matter what, always investigate your long-term options when comparing insurance quotes.