As of the beginning of the year, motorists in the Lone Star State were required to either purchase or renew an automobile policy with higher limits for liability; this also means that carriers must issue policies with no less than the protection offered by these new limits. The state has gone through two recent increases in coverage requirements which consumers must have complied with, and with an increase in the minimum required levels of coverage often comes a slight increase for those who only carry the minimums.

The first increase in requirements for Texas’ motorists was effective as of April 1, 2008 and made it mandatory that all policies written must consist of $25,000 for bodily injury or death to one person, $50,000 for bodily injury or death to two or more people and $25,000 for property damage. The limits prior to this were $20,000, $40,000 and $15,000, respectively. However, since January 1, 2011, the state has required that motorist carry $30,000 for bodily injury to one person and $60,000 for bodily injury to two or more people; the property damage required has remained the same. Although these limits have increased, it is estimated that there has only been a slight increase in premiums and cheap liability car insurance in Texas can still be obtained.

Finding Cheap TX Liability Insurance

The most effective way for a Texan to locate the most affordable premium is to simply shop around as much as possible. There are numerous insurers licensed and willing to issue policies to any driver that meets their underwriting guidelines; however, not all are priced the same and the premiums that each charge for coverage can vary quite a bit, even for the same product for the same driver. A driver may want to take the time to understand the product that is needed to cover the risks associated with their particular situation and get auto insurance quotes from as many carriers as possible. An individual will realize that not all companies charge the same rate and there will always be one that can offer the best deal.

In addition, when a consumer shops around they should be sure to take advantage of any discount that could be applied, which could potentially save hundreds of dollars a year. One of the most rewarding discounts available is one that is given to those who are considered a good driver. Some carriers will offer up to 20% off of premiums which can be quite significant. For example, if an annual policy is priced at $2,000 a year, this means that a “good driver” can receive a $400 savings. For additional information regarding the new coverage requirements as well as consumer guides, motorists can refer to the Texas Department of Insurance which offers helpful tips to residents.