Understanding motoring laws in Texas can have a marked effect on auto insurance quotes. By being aware of the implications of minimum liability of coverage, drivers will be able to avoid some of the pitfalls associated with inadequate policies. Financial responsibility is an integral part of auto insurance within the confines of Texas and motorists should be warned that carrying proof of coverage is mandatory at all times.
Driving without adequate car insurance can result in strict financial penalties. Motorists who use a vehicle illegally can face fines ranging between $175 and $350 for a first offense although any subsequent violations can lead to fines of up to $1,000, the impounding of vehicles and the withdrawal of driving privileges. Further punishment will ensue if a driver is involved in an accident without having the minimum level of mandatory insurance coverage. As well as facing the wrath of the law, any future car insurance quotes are sure to be astronomical in price.
Any individual who is deemed to be responsible for a road traffic accident without sufficient insurance in place can be held personally responsible for any injuries or property damage sustained by third parties and compensation will have to be settled independently. If a third party decides to take out a lawsuit to receive compensation for incurred losses, expenses will soar if the judge ultimately rules in favor of the plaintiff, especially when court fees are taken into consideration. By obtaining an assortment of auto insurance quotes prior to using a vehicle, most motorists should be able to find a policy that provides an acceptable level of cover at the right price.
While the need for the basic level of mandatory coverage should never be underestimated, motorists are always advised to find auto insurance quotes that are both competitively priced and enhanced in terms of policy features. Rather than finding themselves having to pay any shortfall in insurance, policyholders should always be looking for protection that goes above and beyond the minimum requirements. Effective comparison of auto insurance quotes should always be a combination of excellent coverage coupled with a genuine value-for-money premium.
To maximize the chances of finding the best possible deal, multiple car insurance quotes should be obtained from individual carriers from their company web pages or from price comparison websites. All insurers offering policies in Texas must be licensed to operate within the state. Although a little time and effort has to be applied when shopping for auto insurance, the process is usually far quicker than the traditional method of visiting multiple land-based outlets in order to find the perfect policy.
The minimum levels of auto insurance in Texas are currently set at $25,000 worth of bodily injury liability per person and $40,000 worth of bodily injury liability per accident. In addition, auto insurance quotes should also contain $15,000 worth of property damage cover. The Texas Department of Insurance announced a proposed increase in the mandatory level of liability insurance and these changes are due to come into effect in 2011.