Best Ways to Compare Auto Insurance in TX
When shopping for automobile insurance in Texas always compare car insurance companies as well as products. Organize your car insurance comparison criteria first and get the best deal on your automobile insurance. By following these guidelines you will discover how to find the best quality and lower premium prices on your auto insurance in Texas.
- Compare car insurance companies. Find a company’s financial rating by reviewing A.M. Best’s financial ratings. Also review customer satisfaction ratings at J.D. Power Auto Insurance Provider Ratings.
- Make sure your rate quotes are for the same coverage when comparing insurance. The Texas Department of Insurance website provides impartial car insurance comparisons and a helpful policy comparison worksheet to use as you shop around.
- Look at the eight types of coverage and decide which ones you need:
- Texas law requires a minimum 30/60/25 for liability coverage.
- Collision coverage pays for damage to your car no matter who caused the accident.
- Comprehensive coverage for property damage other than collisions.
- Uninsured/underinsured motorist coverage (UM/UIM) covers your injuries as well as property damage caused by drivers with no liability insurance. UM/UIM also covers your medical and car repair costs if they exceed the other motorist’s liability coverage.
- Medical payments pays you or pays for a passenger in your car that is injured or killed.
- Personal injury protection (PIP) pays the same as medical payments coverage plus a caregiver for an injured person and 80% of lost income.
- Towing coverage.
- Rental car reimbursement coverage.
Consult independent agents during your search. Independent agents typically can give you quotes from multiple companies at one time. Ask what discounts the company offers to see if you qualify for them.
If you use a car insurance comparison worksheet with this criteria you will quickly find the best Texas car insurance for your needs.