Austin Texas Auto Insurance Quotes
Drivers in Austin, Texas, do you know you are required by law to carry a minimum amount of auto insurance?
Requirements & Policy Information
Every state has their own requirements regulated by legislation, and the state of Texas requires that all drivers carry a 25/50/25 policy (from 1 April 2008). This means that the minimum coverage amount is $25,000 for each injured person, up to a total of $50,0000 per accident, and $25,000 for property damage. This limit will increase again on 1 January 2011, to $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident.
This type of financial responsibility ensures that drivers who get into accidents have the financial means available to pay for any damages to repair or replace the other driver’s car and medical expenses when necessary. Every driver in Austin, Texas, is required to get such automobile liability insurance, so it’s comforting to know if your car is involved in an accident caused by the other party, the driver will have to compensate you for his mistakes.
You may also wish to consider getting Full Coverage plans to protect yourself even more as comprehensive and collision insurance guarantees the insurer will pay for damage done to your vehicle whether it was your fault or not. Better coverage means policyholders won’t need to pay very much for additional medical or other repair costs when involved in an accident.
How We Can Help
We are an auto insurance brokerage that matches drivers looking for auto insurance with companies offering it. To help you find your ideal policy, just complete a simple questionnaire to receive a free online auto insurance quote. These questions will not require your personal information such as a driver’s license number or a social security number, but instead will give the companies providing quotes a better idea of who the driver is and their level of risk.
Automobile insurers need a good idea of who they are offering their insurance to, so do answer the questions honestly and with accuracy. If you decide to purchase a policy later and the information you give differs from the initial questionnaire, your quotes will most likely be re-evaluated.
Shopping for a comprehensive, yet affordable Texan insurance policy was probably once a hassle as you may have to call companies directly or make time to visit their representatives in order to compile enough rates for a reasonable comparison. But now, you can get quotes from as many as eight companies easily just by filling in a secure online form.
Consequences
If you think you can get away without an auto insurance plan, think again. It is a serious violation of the state’s financial responsibility law and you may face fines, suspension of your driver’s license and impoundment of your automobile.
The State of Texas has implemented a new technology program that allows law enforcement officers and designated state users to immediately verify whether a person has auto insurance. The days of fraudulent or false proof of automobile insurance cards and dropping insurance coverage after receiving a valid insurance card are numbered.
If you drive without your auto insurance card, the chances of getting caught is very high as you may need to show it when you register your car or renew its registration, are asked for it by a law enforcement officer or when you encounter an accident, etc. Don’t take such unnecessary risks. If you can’t afford auto insurance, maybe you should think twice before driving.
Well, anytime you might be looking for auto insurance in Texas, let us help you find the right insurer. We have provided this service to many Austin, Texas drivers and would be happy to get you quotes of the best value, catered to your needs.