Buy Cheap Auto Insurance Texas

In the state of Texas, it is mandatory under state law to carry minimum liability insurance for a vehicle you own. If your car is under a bank lien, then you must also carry comprehensive and collision insurance. If you are looking to buy cheap auto insurance in Texas, it is important that you know what you are required by law to have and what may not be necessary to buy.

If you own your vehicle and it has a relatively low resale value (less than $5,000) it may not be worth the cost of the annual premium to carry more than liability insurance. The reason for this is that comprehensive and collision insurance covers the cost of your vehicle in an accident, but an inexpensive vehicle could be easily totaled based on its low Kelly Blue Book value.

How to Buy Cheap Auto Insurance, Texas Style

It is important to note, however, that if you buy cheap auto insurance, you may have to contend with higher premiums for your liability coverage. When you shop for coverage, then, consider that you will have to pay for the other person's damages if you are found at fault, and then consider how much of a deductible you can afford. Unlike no-fault states, Texas law requires that the person found at fault must pay for the other party's car and related medical expenses.

There is a lot to consider when you want to buy auto insurance in Texas, cheap or otherwise. Let our experts at www.SpartanInsurance.com design the right policy for you. You can even get a quick and free online quote 24 hours a day, seven days a week, on our website.