Cheap Car Insurance in Texas

Compare prices from the web's best selection of car insurance carriers.

  • Fast online shopping and approval
  • Best prices anywhere
  • Free assistance by phone, email
Texas Car Insurance

Factors That Affect Your Car Insurance Rates In Texas
If you are new to the motorist world of Texas, then you certainly need to know a few things about buying car insurance policies. First, it is a requirement by the law of the state that every person who owns a car to have an insurance coverage. The laws of the state also require you to meet the minimum amount of coverage, which is 30/60/25 coverage. This means, if you cause an accident, your insurance policy would pay a minimum of $30,000 to repair or replace the other citizen’s car, $60,000 for the medical bills and $25,000 for property damage.
Factors influencing you premium rates
Your car insurance rates will vary depending with the company and type of policy you purchase. However, before an insurance company in Texas can sell you a policy, they have to determine whether they will sell it to you and if so, at what rates. Normally, they use a process known as underwriting, which involve the following factors:
The type of car – If you have a luxury, sports or high-performance vehicle, you will pay higher premiums. This is also applies to cars that are hard to repair or damage easily.

The primary use of the car – If you only drive your car for pleasure, then you will pay lower premiums than a person who uses his or her vehicle daily to go to work and back home.

Age and marital status – Single women under the age of 21 and men below the age of 25 have the highest rates. Drivers of 40 years old and above may have low rates.

Credit score – Insurance companies often check your credit score before deciding to sell you a policy, or what rates to charge you. It is unheard of for a company to deny you a car policy based on your credit score alone. Nevertheless, they may charge you high rates if your credit score is poor.

Where you drive or park your car – People who drive and park their vehicles in cities, have higher premiums since they are more likely to cause accidents or experience auto theft than those in the rural areas and small towns.

Your driving history – If you have a terrible driving record, such as accidents, tickets and fines, you will pay higher for your premiums. On the other hand, a good record will save you money.
How to save money on your car policy
With so many factors that affect the premium rates of car insurance, you can be wise and save a good percentage of your money. The best way to do so is to get discounts from your insurance company. To be eligible for these discounts, you have to
• Drive carefully and maintain a good record
• Consider driving a hybrid car
• Enroll and complete a defense-driving course
• Fit your car with anti-theft devices
• Reduce the number of miles you drive each year
• Putting more vehicles on the same policy
• If you are student, maintain good grades