It is incredibly important to compare insurance rates for cars in Texas. There are so many things to consider when it comes to getting car insurance in an add-on, no fault coverage state like Texas that you need to take the time to learn as much as possible about the system. The add-on no-fault coverage is essentially an addition to the tort system that is in place. There are optional first party benefits available to those hurt in an auto accident. However, there are no restrictions on lawsuits, as there are in many true no-fault states. Before you shop around know what is necessary and what is not.

Compare Insurance Rates for Cars in Texas: Mandatory Coverage

Despite the fact that there is no-fault coverage in Texas, the only mandatory coverage as required by the state is liability coverage. The minimum amounts are $30,000 bodily injury coverage per person; $60,000 bodily injury coverage per accident; and $25,000 property damage per accident. These rates, while higher than many other states, are still too low. More realistic limits are $100,000 bodily injury per person; $300,000 bodily injury per accident; and $100,000 property damage per accident.

Compare Insurance Rates for Cars in Texas

In addition to liability coverage, all drivers should at least consider other types of insurance. The ones that protect you in case of bodily injury are the most important but are often neglected. Personal injury protection is one of these and will provide medical coverage for you or your passengers if hurt in an accident regardless of fault.

Uninsured motorist is another form of coverage that protects you in case you are involved in an accident with an uninsured driver. Despite the fact that Texas has only 14.9% of its drivers uninsured, it is still a very worthwhile form of coverage to carry because the risk is still significant.

The other types of coverage that are required for those whose cars are financed but not required for those whose cars are not include comprehensive and collision. Collision covers losses that occur from at-fault moving accidents. Comprehensive coverage covers losses from a variety of perils such as vandalism, theft and fire. In Texas, the state with the 2nd highest number of car thefts in the country, comprehensive is a very necessary coverage to choose. Even if your car is not financed but the value is relatively high, you may want to opt for these forms of personal property damage.

Other forms of coverage to consider include roadside assistance forms like towing and labor, but be sure to check if you are already paying for it through an auto club membership. Rental car reimbursement is very practical also when you have a car that is not running.

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