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Cheap Auto Insurance Texas
February 22, 2015February 22, 2016 admin
According to state law, Texas requires drivers to pay in the event that they cause an accident. This is usually done by obtaining cheap car insurance with liability coverage, which pays to fix another car and medical bills if you are deemed at fault for causing an accident.
Buying cheap car insurance to meet the minimum responsibility law for Texas requires getting the minimum of $30,000 per person, $60,000 per accident and $25,000 for any property damage caused per accident. Written simply, this is referred to as 30/60/25 coverage, which is an important value you’d likely see with cheap car insurance.
Because of how much cars and medical bills cost, it might not be sufficient to get just the minimum to cover the costs of the accident. With insufficient cheap car insurance, you could be sued in order to obtain the remainder that was uncovered. While there’s nothing wrong with looking for cheap car insurance, it might be worth getting extra coverage to protect yourself.
For example, getting cheap car insurance with liability only won’t repair your car or pay for your own medical bills. Comprehensive and other forms of coverage can be added to cheap car insurance to help cover these expenses.
Understanding State Rights
For auto insurance, Texas has its own Consumer Bill of Rights. It is required that you receive this information along with your policy, which gives you the chance to read thoroughly the information you have under Texas state law. Start by getting an auto insurance quote on the internet. 
Types of Cheap Car Insurance
Depending on your cheap car insurance policy, the insurer will pay for the replacement or repair of a car along with rental cars, medical bills, court costs, towing and much more. Be sure to read through the text of your policy even if you have as cheap a car insurance policy as you can find. It is very important to know which events are excluded from coverage. Some examples include the following:
Unnamed drivers: Cheap car insurance policies tend to only cover whoever is specifically listed as insured on the policy.
Business use: You may not receive coverage if the car was used for business purposes at the time, such as for delivering a pizza.
Racing: You will not receive coverage from cheap car insurance if you were racing.
Cheap car insurance companies all rely on the Texas Personal Automobile Policy, which is a standard policy that defines eight separate kinds of coverage. Though yours may vary, it’s a good idea to understand some of the basics.
1. Basic liability coverage
This pays for several kinds of expenses until you reach the limit of your cheap car insurance policy. Some of the charges that are liable to be covered include:
– medical/funeral costs
– lost wages
– compensation
– car repair/replacement
– car rental
– punitive damages
Generally,