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Texas Auto Insurance

When it comes to Texas auto insurance you have two options, purchase it for your car or don't drive. The reason for this is that Texas TX runs on an electronic system that alerts the TX Department of Insurance if your car insurance lapses. This will result in some serious consequences for you. First of all your driver's license and car registration will be suspended, what's more, if you drive without your insurance you will be fined $250 and will also be required to pay a reinstatement fee of between $175 to $350 for your first offense. For your second offense, these fees still apply and your vehicle will be impounded for up to 180 days and you will have to pay $15 a day while your vehicle is impounded.

Texas TX requires that all drivers have $25k bodily injury insurance for a single person in an accident, $50k bodily injury coverage for multiple people in an auto accident and $25k for property damage. While your bodily injury coverage will cover the people in your vehicle and in the other vehicles in the accident, if you are the cause of the accident your property damage insurance will only cover the other cars involved. If you don't think you can afford to repair your vehicle yourself then you should consider a purchase of collision auto insurance as well, which will cover your vehicle in any accident situation.

In Texas TX they use a point system to determine your driving worthiness. They assign two points for each moving violation and three points for a violation that causes an accident. After six points are accrued you are fined $100. Twenty-five dollars are assigned to each additional point over six. These points will stay on your driving record for three years. Why is that important to your auto insurance? The more points you have, the higher a risk your insurance company will determine you to be as a driver, as such they will charge your more for your car insurance and it will be harder for you to save money.

With the state average cost of auto insurance being almost $1,900, it is important that you do everything possible to keep your rates low. This means keeping your driving record clean, driving a safe vehicle, getting car insurance quotes and taking advantage of discounts that are available to you. Choosing the right car insurance is easy if you simply take the time to do your homework.




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Texas Car Insurance

Although Houston, San Antonio, Dallas, Austin, and Fort Worth are the biggest cities in Texas cheap car insurance rates vary from city to city and rates in El Paso may or may not be different than Arlington. Whether you live in Corpus Christi, Plano, Garland or some other city in Texas take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Texas.


 

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