The law mandates that drivers carry at least Texas liability insurance in the state of Texas, and submit proof that they can handle the financial responsibility should an accident take place. To abide by with this law, people should carry liability insurance policies that cover hospitalization and medical treatments for victims in the case of an accident. The insurance coverage must not be lower than $20,000 for physical injury for each person; $40,000 physical injury for each accident; and $15,000 to cover for property damage as a result of the crash or car accident. Always have a copy of the insurance policy certificate in your car.

If you are new to Texas you must immediately arrange for some auto insurance coverage if you do not have any yet. The Texas Department of Insurance can help you in locating insurance companies and their brokers. The department also has records of each insurance company you can use for this purpose. This guide can help you compare policies among companies that sell 80 % or more of the Texas liability insurance in that state. It also includes companies that have asked to be in the liability insurance guide. The guide lists companies and annual price estimates for 7 hypothetical drivers. The price estimates shown are for liability policies a company is most likely to sell that fulfills the state´s minimum requirements.

Collision and comprehensive coverage's, which pay for damages to your vehicle should you get in an accident, are not included in the policy price. If you still owe money on your automobile, your lender will ask you to have these coverage's. Generally, including them on your policy will more than double your auto premium. If you want or need collision and comprehensive insurance coverage, ask your broker or company for a rate quote that includes them. If you have a good driving record ,try avoid insurance companies and brokers that advertise to high-risk drivers. Their policy premiums are usually higher. Get quotes from various companies before you buy. Some brokers only represent a single company or company group. Independent agents may represent several companies.

Consider higher deductibles, you can save money on your premiums by raising your insurance policy deductibles, but you'll have to pay more out of pocket if you have a accident. You'll need to have money saved to pay your out-of-pocket expenses. Ask your broker about discounts. Discounts vary by each company. Some Texas liability insurance companies may offer discounts if you have more than one policy with that company, if you have anti-theft devices in your car, or have finished a driver