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Personal Injury Protection and Uninsured Motorist Protection are required on your policy by the state of Texas unless you reject these in writing.
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If two or more insurance companies have denied you coverage, you are eligible to apply for insurance through TAIPA (Texas Auto Insurance Plan Association). This will allow you to get coverage for the minimum amount required by law. Because of the risk factors, this coverage is often expensive, but if you maintain a clean record for three years, your assigned TAIPA insurance company must offer you a lower rate. For more information on TAIPA and the Insurance Bill of Rights, visit the Texas Department of Insurance Web site at www.tdi.state.tx.us.
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The law in Texas is very specific concerning drivers carrying auto insurance in Texas: it is simply a mandatory law. Knowing that it is a law, there are still facts Texas citizens should know about Texas auto insurance. |
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There are four main considerations you need to take into account when picking your auto insurance or car insurance company in Texas.
All are important: Price, Longevity of Insurance Company, Service, and Comfort Level.
At Texas Insurance Zone we strive to help auto insurance quote and car insurance quote shoppers make better decisions involving these four principles.
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Texas auto insurance is a state need for all vehicle owners in Texas. There is certain minimum coverage available in Texas auto insurance and you can choose optional additional coverage to suit your needs like loss of income, medical expenses, etc. All additional coverage is then available to every accident irrespective of whose fault caused accident. |
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Bodily injury limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for bodily injury or death caused by an insured person in an auto accident.
Property damage limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).
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If you are a driver in Texas (or anywhere for that matter), you know how complicated and confusing it can be to file a car accident claim, switch car insurance companies or simply add a person on to your policy. To help make things easier when dealing with your auto insurance company, we have listed some helpful tips for Texas car insurance customers below. Understanding these items can not only save you a lot of time and money on your auto insurance, but it will also help you be better prepared in the event of a car accident. |
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Most Texans complain about the cost of their car insurance--hardly surprising, given that a typical car insurance policy in Texas costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can Texans lower their premiums and save money? |
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If you drive in Texas, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt. Or you're innocently parked in your driveway and a tree limb crashes through your windshield. When disaster strikes, auto insurance is there to protect you. |
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There are many reasons why, as a resident of Texas, you may choose to move your auto insurance coverage to another company. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you're unhappy with the service that your present company provides. Perhaps you've simply found another company willing to offer you the same level of coverage for considerably less money. Nowadays, you can get 24-hour rate information through the toll-free numbers or websites, so investigating your options has never been easier. Another valuable source of information is the Texas Department of Insurance. |
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