Texas auto insurance quotes The stars may be bright deep in the heart of the Lone Star State. But if you are a registered driver -- whether you tool around the suburbs of Austin in an eco-friendly Prius or barrel across wide swaths of West Texas in a gas guzzling pickup -- you crave accurate information about Texas auto insurance quotes policy options. From the tippy-top of Guadalupe Peak to the shores of the Gulf of Mexico, state law requires that drivers carry insurance. Even if you're one of those independent types who secretly hopes that Texas will one day secede from the Union -- it behooves you to explore Texas auto insurance quotes to make sure your policy effectively protects you. After all, we're not all billionaire oilmen down here. Some of us are new immigrants in Laredo, fishermen in Lubbock, and starving college kids in Austin. Every penny must count. To that end, bookmark this primer on Texas auto insurance shopping.

A Clear Explanation Texas Auto Insurance Quotes

In 2007, according to the National Association of Insurance Commissioners, Texans paid $808 for their auto coverage -- just $13 more than what the average US driver paid. Liability cost $450, collision cost $337, and comprehensive cost $168. Texas had a 15% rate of uninsured motorists -- studies suggest that this rate may be much higher in border towns like Laredo and Corpus Christi for Texas auto insurance quotes.

State law stipulated as of early 2010 that you must carry bodily injury liability of $25,000 per person and $50,000 per accident as well as property damage liability of $25,000. Starting January 1, 2011, these minimums will spike up to 30/60/25. Notwithstanding these increases, your sights should probably be set on higher numbers still -- judicious numbers might be along the lines of 100/300/50.

Getting Lower Texas Auto Insurance Quotes

If you have a terrible driving record, high credit score and an expensive car, your rates will probably be much higher than the Texas $808 average. Conversely, if you own a super-safe car, live in a safe neighborhood, and keep your driving to a minimum, your rates should be significantly lower.

Your coverage needs will shift over time as you go through life transitions. To that end, regularly reevaluate your coverage. Common discounts include low mileage, senior citizen, good student, and low claims driver. Opt out of coverage to lower costs more. For instance, do you really care what happens to that crummy pickup you use to haul loads to San Antonio? If not, opt out of collision and comprehensive to save.

Shopping to Save Texas Auto Insurance Quotes

Independent Texans know that the best road to freedom is choice. Expand your options by sourcing Texas auto insurance quotes through AutoInsuranceQuotes.com. Take two minutes to fill out our online quote form. Many of our users save hundreds of dollars -- quite a return on two minutes worth of time for Texas auto insurance quotes.