Texas is the second largest state in the US both size wise and population wise. It’s a growing economy with busy urban centers and metropolitan cities which serve as financial and trade hub of the US. Therefore there is a lot of traffic movement along the cities of Texas.
In spite of mass transportation system, traffic in Texas can be very congested leading to the likelihood of accidents. Therefore, Car registration law in Texas requires the residents to get their cars insured so as to avoid any unpleasant situation.
The state of Texas is very strict in this regard as it binds the drivers to carry with them evidence of liability insurance every time they travel. Inability to show any such evidence when checked upon by the police can lead to heavy fine. As per the Texas department of insurance in spite of such strictness in terms of car insurance there are still approximately 20% of vehicles that are uninsured. That is why the law imposes severe punishment to those who do not get their cars insured.
The fine of driving uninsured car can range from $925 and $1750. Similarly if you are involved in an at-fault accident and your car is uninsured the fine can be especially severe as much as $4000. You can also be imprisoned if the accident is quite serious and fatal. So all in all, it is always better to be safe than sorry by obtaining car insurance.
Car insurance constitutes as a huge expense which is why many people try to avoid it. But avoiding it is not a long lasting solution if you are living in Texas, for sooner or later you will have to bear it. So it is wiser to search for cheap car insurance companies for there are plenty of companies in Texas that offer variety of policies and programs for different segments of customers.
There are many companies in Texas offering the service of auto insurance. If you want to get your car insured it is advisable to get quotes from these numerous companies so that you can get the cheapest car insurance. Companies like Texas Farm Bureau, Progressive, GEICO, Mercury and State Farm are some of the cheapest car insurance companies in Texas. They offer very competitive rates and a variety of programs for their customers.
When it comes to city wise comparison, living in Texas you can find different rate of insurance in different cities. Factors like population of the city, average time taken to travel to workplace and the amount of development and progress in the city determines the rate of insurance prevailing in the city. Less populated cities like Memphis, Ballinger, Childress and Denver City offer the Low-cost car insurance Texas.
However, once you buy a car and start looking out for auto insurance, price should not be the only determinant of which company to go for. Other factors like service quality, claim handling skills, amount of deductibles and discount offerings should also be considered.