Like any other state in the USA Texas has its own regulations and laws on vehicle insurance. The minimum liabilities requirements are 30/60/25 here. In other words, $30,000 for bodily injury or death per person, $60,000 total for bodily injury or death per accident and $25,000 for property damage. These are the numbers you watch out if you want the basic coverage. But most people may want a bit more than that. In any case these are the lowest available policy covers. Therefore, you many not need to worry about them since you cannot buy anything less.
Texas is relatively cheap to live compared to rest of the country. But the number of uninsured motorists are higher here than the national average. This may be due to lower penalties for uninsured motorists in the Lone Star State. This may encourage more people to go without coverage.
Another problem with driving in Texas is that the number of drunk drivers are higher in here. So, you may want to be extra careful especially at night and weekends. You may want to take a taxi to a restaurant or your venue and back if you don’t want to be hit by one of those drunk and uninsured motorists. And you would have no chance of adding to the statistics if you choose this option.
Most national car insurance companies operate in Texas as well. So, you have no problem finding a good policy. You can also get them cheap by shopping around for the best option available. Take your time and find out which company charges how much. This will give you a good idea as to what are the prices for you. Then, you can take your time to decide which one of them will get your business.
There are a few national brokerage networks here as well. Or you could find a local independent broker who could help you to make a selection. You may have a few questions and like to know more especially if you have just moved into Texas from anther state. They will be able to explain ins and outs of every policy and provider for you. They will not cost you much extra money since they are paid commission by the companies they sell policies of. Some brokers may want a little more fees on top but they must make it clear to you that these are their fees.
Generally, prices here don’t appear to be higher than national average. This is true for automobile insurance as well. But it will all depend on the type of coverage you will be choosing and the company you approached for insuring your automobile. The type of automobile you drive will be another factor that is included in premium calculations.
So, apart from few small things arranging policies is about the same as everywhere else. You need to consider the increased number of uninsured drivers and make sure that you have coverage in case one of them hits you. This is the best you could deal with the situation other than hoping it will get better.