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Texas has relatively inexpensive auto insurance rates as compared to the rest of the United States. This is because of its large rural areas, relatively low vehicle theft and lower than average traffic congestion. Insurance prices are affected by the types of coverage people purchase as well as other factors. Texas is a state with a healthy economy so people are more likely to purchase new cars. Statistically new car owners are more likely to purchase physical damage coverage for their new vehicles. The combined affect of this is to increase auto insurance expenditures. Thus areas with a higher per capita income will have higher auto insurance prices. Texas is a tort liability state and that means there are no restrictions on lawsuits between drivers. This means that drivers in Texas can sue each other for out of pocket medical expenses and secondary damages such as emotional distress. Despite this Texas has fairly cheap auto insurance prices as compared to other more urban areas.
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Everything you need to know about auto insurance in Texas
Texas car insurance is designed to protect you, your family, and your automobile. Drivers in TX purchase auto insurance to ensure they are financially protected in case they are in an accident. Given that Texas has almost 22.5 million residents, there are likely millions of drivers on Texas streets, roads, highways and freeways at any one time. To help protect the many Texas drivers, Kanetix.com has brought together some of the top insurance companies to show Texans which companies are available online to offer you competitive auto insurance quotes. The auto insurance rates you get are personalized to your information and quick and easy to get.
Texas law requires Texans to have auto liability insurance. Additionally, if you owe money on your car, usually the company or institution that has leant you the money requires you to also have a minimum amount of collision and comprehensive coverage.
If you drive in Texas, you must show you can pay for accidents you cause. Most Texas drivers buy auto liability insurance to show proof they can come up with the means to pay for damages, injuries or other losses if they are in an accident. Texas law requires minimum coverage of:
This basic coverage is called 20/40/15 coverage. Basic coverage might not be enough so you should consider buying more than the basic limits.
After you purchase your auto insurance policy from your chosen car insurance insurer, your insurance company will send you card that when shown proves you have insurance.