In the state of Texas, drivers are required by law to have auto liability insurance. This means that when you are ready to buy auto insurance, the quotes that you get will always offer at least the bare minimum as required by state law.
Minimum coverage may not be what is best for you, which is why you can compare rates on auto insurance from various Texas insurance companies to get the best insurance policy for you and your family.
Here’s how to compare rates:
View the automobile price comparison and rates guide through the Texas Department of Insurance website. This guide gives sample rates but uses a sample profile of a typical driver, which may not resemble your driving habits or history. As a result, the rates you see on this guide may be different than the quotes you get. You can use the guide as a way to identify companies with lower rates on average and make sure that you get quotes from those companies.
Obtain quotes for auto insurance by visiting local auto insurance agents in your area of Texas or by using a site such as Insure.com and Net Quote (see Resources) to get quotes from multiple companies at once. Some insurance companies you will find throughout Texas include Liberty Mutual, The Hartford and Allstate.
Look over the quotes to compare the coverage amounts given by the various companies. You may discover that the cheapest quote offers the most limited coverage, which may not meets your needs. Identify which quotes meet or exceed your coverage needs and eliminate all others. Once you do that, you can pick an insurance company based on any criteria that you choose, such as monthly rate or the ability to make payments online.