Affordable Car Insurance Auto Insurance in Texas - Compare Rates

Y'all, lone star state motorists, howdy??

Have you noticed the change in your insurance policy rates? It is because from Jan. 1, 2011, the minimum liability amount of coverage has increased. The increase was approved in 2007and was decided to carry out in two parts. At that time the coverage was 20/40/15 coverage, which means
>> $20,000 in bodily injury liability for one person hurt in an accident
>> $40,000 for two people or more hurt
>> $15,000 for property damage liability

The first part of the gradual increase went into effect in April 2008, when the minimums were pushed up to 25/50/25. Now from January this year the liability limits have been increased and now it stands at 30/60/25 which implies.

Bodily Injury
The coverage will pay for any bodily injury that you cause to others while driving. It will be also helpful to cover all the legal expenses when someone decides to sue you.
The limits are:
>> $30,000 for the death or injury of any one person, any one accident
>> $60,000 for all persons in any one accident

Property Damage
The coverage is useful when you damage property of others. It may be anything from a car to a mail-box or even a fence or tree.
>> The minimum limit is $25,000 for any one accident

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You have choice with the current situation; you may choose to sulk over the increased insurance rates or act smart and comprehend ways to reduce it.

If you have clean driving record which means no driving ticket for a minimum of 3 years and no DUI conviction then you will have lesser insurance rates compared to others. And if you have no history of claims, you are going to earn few more brownie points for it.

The deductible is the amount that the policy holder is willing to pay out of his pocket, even when there is a chance for insurance claims. When you choose higher deductible as an option you pay more for damage and are not reimbursed for the same by your insurer. If you are willing to pay, then you can increase your deductible and lower your insurance rates.

Visit several insurance companies virtually and get quotes from them, this is the best way to take advantage of the internet. Many companies in order to have more customers will offer you great discounts, so don't forget to check them.

So now armed with all this information, you can take the increase head-on and ensure that you have adequate coverage.

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