While searching for the cheapest car insurance in the Lone Star State, you might think you need to spend hours on the phone with car insurance agents, but it’s not that hard to find the cheapest car insurance in Texas. You can begin your search by entering information about your vehicle, your location, your driving habits online. Then, once you have a list of companies offering cheap car insurance in Texas, you can look through that list for who is offering the cheapest car insurance in TX. It’s important to look through those quotes thoroughly to make sure that your cheap car insurance meets states minimums.

One way to get the cheapest car insurance in Texas is to understand the state minimums for car insurance. State law requires that you have the minimum amount of car insurance, and residents have to adhere to these minimums whether they live in rural areas or in the Dallas/Fort Worth Metroplex. In Texas, you must maintain bodily injury liability coverage that pays for injuries for individuals and for the entire accident. The Texas minimum for individual coverage is $20,000, and the accident minimum is $40,000. Texas state law also requires that drivers maintain at least $15,000 in property damage liability coverage. Once you have the minimum coverage limits to protect yourself and your driving privileges, you can look at other ways to get the cheapest car insurance in Texas.

Once you are confident that your cheapest car insurance in Texas quotes are going to let you drive legally in the Lone Star State, you can see about getting more discounts. Often, auto insurance companies offer discounts to people college or high school students. The thing to remember about good student discounts on car insurance is that they’re based on grades, just like safe driver discounts are based on a clean driving record. Whether you’re a student at University of Texas in Austin or Texas A&M, you can get the cheapest car insurance in Texas by making sure you get good grades.

There are other discounts available so that anybody can get the cheapest car insurance in Texas if they ask their insurance agent. You can get a discount through your employer, professional organization, or just because you are employed in a “safe” occupation like teaching. Make sure and ask your insurance agent if your employer will help you get the cheapest car insurance in Texas.

It’s important to remember that once you buy your cheapest car insurance in TX, you are required by law to have proof of your car insurance policy in your vehicle at all times. You can save money on car insurance in Texas, but saving money by not carrying insurance is not an option. If stopped by Texas law enforcement, you have to provide this proof of insurance, or you can be fined or even lose your Texas driver’s license. By entering your information online for free quotes and using this information, you can buy the cheapest car insurance in Texas and protect your driving privileges as well as your vehicle.