Quotes Texas

            The basic auto insurance coverage required in Texas by state law is most commonly referred to as 25/50/25 coverage.  Broken down, this coverage represents a minimum $25,000 bodily injury liability limit per injured person with a limit of $50,000 per accident along with a $25,000 minimum limit for property damage liability. 

            The law system in Texas uses a Tort system and an at-fault state, meaning that in an accident, if a person is found to be at fault for the accident, he and his insurance company is accountable for all of the damages.  And while the national average for auto insurance premiums is $1,578, Texas’ average is only slightly lower at $1,561.  For the year 2010, however, Texas has seen a decrease in rates.

            Some of the popular auto insurance providers available in Texas include Progressive, Direct, Arrowhead, esurance, Travelers, Starr, The Hartford, and Safeco Insurance.   Just like all insurance, however, it is important to shop around for auto insurance.  It can be very helpful to ask family and friends for their opinions when looking for a provider.  If you would like to view professional ratings of the insurance agencies, however, you can look to A.M. Best, J.D. Power and Associates, Standard & Poor’s, or Fitch Ratings, Inc. for non- biased reviews.   

As always, it is beneficial to find the particular coverage which best fits you and your needs, and you should know what is and is not covered in your policy.  And if you are not a native Texan, be sure to understand Texas state law regarding auto insurance.