Road users in Texas can find cheap auto insurance quotes more easily if they can familiarize themselves with state laws, the mandatory levels of coverage required and the best places to seek out a preferential deal. When all of these factors are combined and put to use effectively, low-cost auto insurance rates can be assured.
As with any other US state, road users in Texas are legally obliged to purchase a minimum level of auto insurance coverage to meet their financial responsibilities. This covers personal liability in the event of damage or personal injury to third party drivers and their property. In Texas, car owners must purchase a minimum of $25,000 worth all of bodily injury liability per person, $50,000 worth of bodily injury liability per accident and $25,000 worth of property damage liability.
Using a motor vehicle without sufficient auto insurance coverage in place is illegal, and DUI violations in Texas are set at a BAC of 0.8%. Enhanced sentencing can be expected if a BAC is in excess of 0.15%. Road users who lose their driving privileges will usually require an SR-22 document to reinstate a suspended licence or vehicle registration. The use of cell phones for making calls or sending text messages is now prohibited within the State of Texas, and legislation extends to a ban on all road users under the age of 18 from using hands-free or wireless communication devices whilst in charge of a motor vehicle. A graduated driver licensing system is in place for all teenage drivers and youngsters need to be 15 years of age before they can apply for an instruction permit.
One of the keys to finding cheap auto insurance in Texas is selecting a suitable price comparison website. In recent years, the number of options available has grown significantly and this has made it increasingly difficult to find the right resource at the first time of asking. Ideally, road users should always choose a price comparison website that only sells auto insurance and nothing else. Sites that sell a multiple range of products rarely specialise in a particular area and this often leads to poor informational content, inferior products and a smaller amount of choice.
At Promiga, we specialise in money saving auto insurance quotes and nothing else. Our extensive website is jam-packed with vital information that could save you hundreds of dollars on your car insurance every year. We require no personal information, never place our customers under any obligation to make a purchase and take no fees or commissions when you choose to purchase a policy from one of our preferred auto insurance providers.
We also like to find other ways of saving you money and provide a range of exclusive articles that help to lower your auto insurance rates. Have you ever wondered why your auto insurance is so expensive? We’ll show you plenty of ways to bring your outgoings down to an absolute minimum.
Let’s take a look at a few of easier ways you can lower your Texas auto insurance quotes:
- Consider raising your deductible figure. A higher deductible absorbs a large percentage of the risk that your auto insurance carrier has to undertake, and this will make your application more attractive to the underwriters. The higher your own deductible figure, the cheaper your auto insurance will be
- Pay attention to your credit history and you could be rewarded with a wider range of auto insurance discounts. Make a concerted effort to make payment arrangements on any credit facilities you are currently in arrears with, and commit to making those payments on time. Over a period of months, you’ll earn a reputation for being a reliable consumer and this will make you a more appealing prospect to most auto insurance companies
- Spend less time on the road, and your chances of being involved in an accident are significantly reduced. Most carriers offer preferential auto insurance rates to road users who minimize their vehicle usage to a maximum of 6,000 miles on an annual basis. Consider the use of public transport and car sharing to help reduce your typical yearly mileage
- Consider pooling all of your auto insurance and household insurance requirements together. ‘Bundling’ is a great way to minimise costs and by expressing loyalty to one particular carrier, you can usually enjoy a series of additional auto insurance discounts that are rarely applied on standalone policies
For more fantastic ways to save money on your Texas auto insurance quotes, take a look through our extensive range of auto insurance articles today.