East Coast Auto Insurance offers many of the top nationwide auto insurance companies in Texas as well as the regional carriers.  Our most popular companies include Infiniti, Allstate, 21st Century, Foremost (formerly Bristol West), AIG, Progressive and many others.  The best news is that you can see quotes side by side on this website right now by filling out the form above.

Texas Auto Insurance Laws

Minimum Level for Liability Coverage

Texas auto insurance laws dictates that you prove your capability of paying for accidents caused by your own negligence. However, you can opt for auto liability insurance. There is a minimum payment for your auto liability insurance. Texas car insurance states that you have to pay $25,000 if only one person is injured in the accident you caused and $50,000 for all injured people in the accident. This comes under the category of bodily damage and if you cause property damage, then you will have to pay $25,000 for just one accident.

Penalty for Not Paying

The Texas law is a bit extreme for people who don’t pay their premiums on time. A violation or non-payment of premium is considered a violation of the Texas state financial laws.  A conviction will usually result in a fine and in extreme cases a suspension of the license or impoundment of the vehicle.  Texas police can verify all payments by using  TexaSure which is a system that instantly verifies the payment of all insurance premiums. Through this system, Texas law enforcement receives access to payments and they are able to keep track of all the vehicles and owners that are behind their Texas auto insurance premium payments.  The state slogan for insurance payment is, “if the vehicle is not covered, then the owner will be discovered.”

Texas law requires that motorists maintain at least the following minimum liability coverage:

  • $30,000 for bodily injuries to one person.
  • $60,000 for bodily injuries to two or more people per accident.
  • $25,000 liability coverage for property damage. As an example this would cover the other party’s vehicle.

This coverage is commonly referred to as “30/60/25″ which is an abbreviation.  Keep in mind that this coverage does not cover the insured’s vehicle in case of an accident.

Texas DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.

Texas SR-22 Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.

Texas Distracted Driver Laws

  • The Texas legislature has passed a cell phone/texting law.
  • Texas House Bill 2730 and 339 prohibit drivers under the age of 18 from using wireless communication devices while operating a motor vehicle.

Texas Teen Driver Laws

  • Texas utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • Texas teens need to be 15 years of age to apply for an instruction permit.

Automobile insurance varies from state and there are specific rules regarding Texas car insurance. This article deals with the specifications regarding auto insurance in Texas.

 

How to Lower Texas Car Insurance Rates

If you are looking forward to lower your Texas auto insurance rates, then you have to keep in mind certain factors. Your driving record speaks a lot about your character and this affects the premiums you will have to pay. Observe all the rules and be considerate to fellow drivers. Avoiding accident creating situations will reduce the chance of making claims. If you have no history of claims, then naturally the Texas car insurance rates will come down. Apart from keeping your driving record impeccable, check out these other factors too.

• Credit Record: Paying your bills on time will increase your credit score. If the insurance company feels that you can be trusted, then it would be advantageous to you.

• One for All: If you have more than one automobile, then make sure the insurance is also from the same company. You will be offered discounts.

• Raise the deductibles: The deductible is the amount that the policy holder is willing to pay out of his pocket, even when there is a chance for insurance claims. If you are willing to pay, then your deductible will be high and the insurance rate lower.