Cheap Car Insurance in Texas

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Cheap Car Insurance in Texas

Are you a long-time Texas resident who needs to lower their bills? Are you new to the state and need help finding the best deals on auto ins? Have you bought a new truck or car recently and need cheap car insurance in Texas? The good news is you can get some great deals on car insurance, but you need to take your time and do some research first. With a quick online quote, you can get Young America Insurance in Texas coverage starting at just $18 a month.

In the old days before the internet, searching for the best vehicle coverage used to be a time-consuming process. There were agents to call and often long lines sitting around an office, waiting to review a policy that might not be in your best interest. One of the most frustrating parts about auto insurance in the past was finding the lowest rates. Most people just called up a broker and bought a policy without a lot of due diligence. Now, thanks to direct side by side price comparison, it’s easy to find great deals on TX auto insurance with a few clicks on your laptop or smartphone.

Texas Auto Insurance Requirements

Getting your car legally insured in Texas is not just important, it’s the law. There are minimum auto insurance requirements that all residents in this large state must abide by. When searching for insurance, you need to start with these basic minimums. Motorists are required by law to meet property damage and bodily injury minimum limits, for all vehicles. You should note that you can buy additional coverage, along with added protection. These are the legal limits below:

  • Liability coverage for bodily injuries of at least $30,000 per person
  • Liability coverage for bodily injuries of $60,000 per incident
  • Liability coverage for property damage of $25,000 per incident 

Optional Texas Insurance Coverages

A liability only policy will not properly insure most drivers. If you have a financed or leased vehicle, for example, the lender will require you to add-on collision and comprehensive. Also, if you have an automobile that is worth more than $10,000, you should strongly consider adding collision and even comprehensive to protect the value of the vehicle. These are optional coverage options you should consider:

  • Collision 
  • Comprehensive coverage
  • Added Medical Payments
  • Uninsured Motorist Protection
  • PIP – Personal Injury Protection

If your vehicle is very old and not driven much, you might be smart to buy Texas liability only insurance. You can get covered from only $18 a month if you have a clean record with providers like Young America Insurance in Texas. So if you drive an old truck once or twice a month, it makes sense to go this route. However, the more assets you have, the more protection you are going to need. This is what insurance is all about after all. If you have a net worth that is over $100,000, then you should increase your limits to $100,000 or more. With today’s litigious society, it makes sense to add collision ins with legal assistance, which can really help if you are in an at-fault accident and sued in court.

Consider Adding Texas Uninsured Drivers Insurance

You should also think about adding uninsured motorist protection onto your policy. According to recent stats, about 20% of motorists in Texas carry no auto insurance at all, according to the Texas Dept. of Insurance. This means in a vehicular accident, there’s a 1 in 5 chance of getting stuck with both the repair and medical bills. You could take the other party to court, but chances are they would not have much money to pay you in a settlement. You can add uninsured drivers insurance onto your plan for as little as $10 extra per month with carriers like Young America auto insurance company. You can even add it onto your existing policy online in only a couple minutes.

Texas Auto Insurance Discounts

Did you know you can save hundreds per year just by taking advantage of automobile ins discounts? Almost everyone will qualify for at least 1 discount. Here are the main ones that insures offer. If you are a homeowner or married, you will automatically get an instant discount. Here are the most popular TX car insurance discounts.

  • Safe Driver
  • Multiple Vehicles on the Same Policy
  • Good Student
  • Garaged Car
  • Military and Veteran
  • Good Credit 

Get Lower Rates By Shopping Online

Are you worried about buying car insurance over the internet because you don’t want to give out your private information? Do you think all the rates are the same anyways? The simple truth is consumers who get direct coverage online can save hundreds annually. There are cost savings for carriers doing business on the web and these are passed down to you the consumer. Try comparison shopping for cheap car insurance in Texas with a fast, free quote. Just fill out a 4 to 5-minute application at sites like Young America auto, then compare the cheapest plans. It really is that simple and there is never any obligation to buy a policy. Get started and see how easy it is to lower your ins premiums.