Auto Insurance Agents in Texas

Discover Right Agents for Your Insurance Needs

Car insurance is extremely important for drivers who want a safe state of mind as the road is always full of unpredictable perils and unexpected risks. And if you are a car owner driving in the bustling cities of Texas like Dallas, Houston, and Austin, you definitely want to consider investing in a good car insurance policy.

Texas can be an expensive state to get car insurance, so we recommend that car drivers consult with local insurance agents to get car insurance policies that don’t break the bank.

Car insurance is also mandatory in Texas, so as a car owner, you need to continually learn about the minimum coverage requirements, the cost of auto policies, and the available discounts.

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Car Insurance DiscountDescriptionPotential Saving
Good Driver DiscountIf you have a clean driving record, you may be eligible for a discount on your car insurance premiums.10% to 30%
Safety Device DiscountIf you have certain safety devices installed in your car, you may be eligible for a discount on your car insurance rates.2% to 30%
Good Student DiscountIf you’re a good student whose average grade is “B” or higher, you may be able to get a discount on your car insurance premiums.5% to 20%
Multi-Vehicle DiscountIf you’re a good student whose average grade is “B” or higher, you may be able to get a discount on your car insurance premiums.10% to 25%
Continuously InsuredDrivers who have been continuously insured for 6 months or more qualify for this discount.5% to 25%
Anti-theft SystemsIf your vehicle has anti-theft systems like car alarm, steering wheel locks, LoJack, and other features, you can get discounts on your premium.5% to 25%
Usage Based DiscountsUsage-Based Insurance monitors the driving habits of a car owner usually using a smartphone app. If you are willing to sign-up for UBI, you can get discounts.1% to 30%

Frequently Asked Questions

  • Do I need car insurance in Texas?

    Yes, car insurance is mandatory in Texas. All drivers must carry liability insurance with minimum coverage amounts of $15,000 per person/$60,000 per accident for bodily injury and $25,000 for property damage.

  • How much does car insurance cost in Texas?

    A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability.

  • How much car insurance do I need in Texas?

    The minimum car insurance required in Texas is $15,000 per person for bodily injury and $60,000 per accident for bodily injury, and $25,000 for property damage. However, it is recommended that drivers carry at least $100,000 per person for bodily injury and $300,000 per accident for bodily injury and $50,000 for property damage.

  • What are some standard car insurance discounts in Texas?

    A few standard car insurance discounts are available in Texas, including discounts for good drivers, low mileage drivers, and those who have taken a defensive driving course. Other discounts include customer loyalty, safety features discounts, usage-based discounts, and more.

  • What are some of Texas's common car insurance coverages?

    Many car insurance coverages are available in Texas, such as liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), rental reimbursement coverage, and medical payments coverage.

  • What are the consequences of not having car insurance in Texas?

    If caught driving without insurance in Texas, you may be fined between $925-$1100 for the first offense including the annual surcharges.

  • What should I do if I'm in an accident in Texas?

    If you’re involved in an accident, you should first call the police and then your insurance company. Be sure to exchange information with the other driver and get a copy of the police report if possible.

  • How much will car insurance cost me in Texas?

    There is no simple answer to this question as car insurance rates vary depending on several factors, such as your age, driving history, and make and model of car, among others. However, the average cost of car insurance in Texas is $1868 per year. Generally, Texans have to pay slightly higher car insurance rates compared to the national average.

  • What are some tips for getting cheaper car insurance in Texas?

    You can do a few things to help lower your car insurance rates in Texas, such as shopping around for the best rate, maintaining a clean driving record, signing-up for usage-based insurance, adding safety features, and choosing a car with low insurance rates. You can also consider raising your deductible to lower your premium.

  • What are some of the top car insurance companies in Texas?

    Texas has several reputed car insurance companies, such as Allstate, GEICO, Progressive, State Farm, and Farmers.

  • How do I file a car insurance claim in Texas?

    If you need to file a car insurance claim in Texas, you should first contact your insurance company to report the accident. You will then need to provide them with all the necessary information, such as the police report, photos of the damage, and your medical bills. Once your insurance company has all of the necessary information, they will be able to process your claim and determine how much you are entitled to receive.

     

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