How can I get cheap car insurance in Texas?

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Asked November 19, 2012

1 Answer

Getting the cheap car insurance in Texas means doing a little research, and getting your personal information in order. Once you are ready to buy a new policy, you can use websites to help you find the best prices from reputable insurers.

If the car is paid for, you can drop comprehensive coverage, raising your deductible, and dropping your collision coverage. Installing security devices can cut your premiums, and so can simply driving a less expensive car. Texas has minimum insurance requirements which must be met, but you are free to drop any insurance plans that are not mandated by law.

Shop online for the best quotes. Your computer is a good way to get a ballpark figure for the cost of a policy, and adjust the optional parts to bring the premiums into your budget. Online websites offering free car insurance quotes can also compare your policy with other companies so you know you are getting the lowest rates available. The next step is to check the financial rating of your favorite insurers to see how well they stand up financially with a ratings company such as the A.M. Best Company or Standard & Poor's. You can even make sure a company is licensed in your state online, at the Texas Department of Insurance. The better Business Bureau also maintains a database of insurance companies, with tallies of the number of complaints and how many were satisfactorily resolved.

Getting cheap car insurance in Texas is not as complicated as you might think. Even if you have a less than perfect driving history, you should still be able to adjust your policy and shop around to find premiums that fit within your budget. Keep in mind, too, that purchasing through an insurance broker may give you more options than if you are buying from a dedicated company agent.

Answered November 19, 2012 by Anonymous

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