All states have a minimum recommended amount of car insurance. You can get more if you want, and it is usually a good idea because the minimums in most states are often below the amount that a typical accident will require.

When buying Texas car insurance, the minimum amounts of liability coverage for a private passenger vehicle are 25/50/25. This amount will provide $25,000 in bodily injury coverage for one person per accident, and up to $50,000 total coverage for bodily injury per accident. It will also provide you with $25,000 property damage coverage in each accident.

Uninsured Motorist Coverage

In Texas, about one out of every five drivers is not insured. That means that if you had an accident, that it is quite possible that the other driver may not have any insurance at all. In that case, the only coverage you would have, then, is what you carried on your uninsured drivers coverage. Having the right kind of coverage will help protect you in that event.

Penalties for Texas Car Insurance Problems

If you should get a notice from the TxDMV saying that you do not have any car insurance, it will also suspend your drivers license and registration. You have up to 20 days to make an appeal, which will stop suspension procedures until the matter is resolved. If you receive a second suspension, then your car will be impounded for 180 days. In addition, there will also be a $15 per day fee while it is impounded. Getting your drivers license and registration reinstated is possible by providing proof of Texas car insurance and by paying a reinstatement fee between $175 and $350.

Drivers are required to have auto insurance for all cars they possess – even broken down ones. You cannot even sell a car to a junkyard unless you have car insurance on the vehicle.

Dont forget that you are required by law to carry a copy of your proof of car insurance. This can be kept on your car, but it is probably safer if you keep it in your wallet or purse.

Shop Around for Best Texas Car Insurance Prices

All car insurance companies have different prices and may offer different discounts. By getting car insurance quotes from several companies before buying, you can find out which one offers a better deal in terms of coverage, price, and benefits. It is also possible to get better prices by buying your Texas car insurance through an insurance company that you already have a policy with – such as a homeowners or life insurance policy.

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