What does it mean that Texas is an at-fault state?
Insurance laws in Texas make it an at-fault state. This means that a driver who’s responsible for an accident can be held financially liable. Other drivers are allowed to sue if necessary.
In any at-fault state, it’s especially important to carry sufficient bodily injury liability and property damage liability coverage. Drivers should also have enough uninsured motorist coverage in case another driver doesn’t have sufficient insurance and causes an accident.
How much does it cost to insure a car?
Insurance premiums for auto policies are based on numerous factors, including the type of car, the driver’s history, some personal information, and other details. Even credit score can impact rates.
The best way to find out how much insurance will cost is to work with an independent insurance agent. Independent agents are able to request customized quotes from multiple insurance companies, which makes it easy to see which company offers the best combination of coverages and premiums.
Of course, an independent agent can also help explore all available discounts. Insurance companies commonly offer discounts for remaining accident-free, remaining a loyal customer, purchasing multiple policies, being a good student, and many other criteria.