Traffic accidents remain one of the main causes of death and injury in the United States. To protect the motorists and the general public, the State of Texas implements a law that requires all automobiles to be insured and owners to have liability insurance. If you have recently purchased a car and have not yet fully paid for it, the former owner or store you bought it from will most likely ask you to insure the car with collision and comprehensive auto insurance policy coverage.

Getting the Right Insurance Provider

Subscribing to an insurance policy and plan can be pretty expensive. But since you cannot do away with it, you must choose the best insurance product there is. This starts with finding the right insurance carrier and talking with an experienced and efficient insurance sales agent. You may obtain a list of accredited and licensed insurance carriers, brokers, and agents from the Texas Department of Insurance.

You must always read the fine print in each policy offer. Watch out for exclusion and inclusion clauses. You do not want to pay for something that in the end you cannot use. An independent insurance broker can help you obtain quotes from various carriers to compare coverage and premiums.

A good insurance broker will also assist you in finding the right financing vehicle to pay for the initial insurance fees. But if you cannot pay for insurance yet, do not drive. Leave your car at home and wait until you can receive auto insurance coverage.

Texas also requires that you have basic coverage, called the 20/40/15. This translates to insurance coverage of $20,000 for each person injured in an accident; $40,000 to pay for the expenses of everyone hurt in the accident; and $15,000 to cover property damage. Most Texans obtain liability insurance plans to comply with that law.

Ross Bainbridge