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The What, Why, How to - of Saving on Car Insurance in Texas Driving in Texas is an adventure, and you need to be prepared for everything from sunny days to the occasional surprise hailstorm. Auto insurance is the best way to protect yourself—and your wallet—while cruising down the open road. It covers the costs of accidents, whether it’s fixing your car or covering someone else’s medical bills if you're at fault. Depending on your coverage, it can also help if your car gets stolen or damaged by something like a flood (which, let’s face it, is always a possibility in Texas!). In Texas, we’re lucky to have a Consumer Bill of Rights for auto insurance, which is a handy guide your insurance company gives you when you get or renew your policy. It’s all about transparency, so you’ll know what you’re getting—and more importantly, what you’re paying for. Is Auto Insurance Required in Texas? Yep, it’s the law! Texas requires drivers to show they can pay for accidents they cause, which is why most people choose liability insurance. Liability insurance helps pay for damage to other people’s vehicles and medical expenses if you’re at fault. And if you're still paying off your car, your lender is likely going to ask for a bit more coverage, like collision and comprehensive insurance. It’s all about protecting that investment! Types of Auto Insurance Coverage to Consider When you’re choosing coverage, it’s like putting together the ultimate safety net. Here’s a rundown of what’s available: Liability Coverage : This is a must-have in Texas and it covers the damage you cause to other vehicles, property, and people’s medical bills if you’re at fault. The state requires at least $30,000 per person for injury coverage, $60,000 for total injuries per accident, and $25,000 for property damage. Collision Coverage : This kicks in if you hit another car or object, helping you repair or replace your vehicle. Comprehensive Coverage : Hailstorms and floods are just a few things that can damage your car here in Texas, so comprehensive coverage helps you handle those unexpected bumps in the road. Medical Payments Coverage : Pays for medical bills for you and your passengers if you’re in an accident, regardless of who’s at fault. It’s a good option if you want a little extra peace of mind. Personal Injury Protection (PIP) : A step up from medical payments coverage, PIP covers things like lost wages and other non-medical costs. Just keep in mind, all Texas auto policies include PIP unless you opt-out in writing. Uninsured/Underinsured Motorist Coverage : If you're hit by someone who doesn’t have enough insurance (or any at all), this coverage has your back. It even covers hit-and-run accidents, which sadly, happen a lot in Texas. Towing and Labor Coverage : Ever been stuck on the side of the road in the middle of nowhere with a flat tire? This coverage helps with things like towing, tire changes, and jump-starts. Rental Reimbursement Coverage : If your car is in the shop, this coverage will help you rent a car while yours is being repaired. Who's Covered Under Your Policy? In most cases, your policy covers you, your family, and anyone who has your permission to drive your car. However, it’s always a good idea to double-check with your agent to know exactly who’s covered—especially if you let a friend borrow your car. Saving Money on Your Car Insurance Let’s face it: no one likes paying for insurance, but there are ways to make sure you’re getting the best deal without compromising on coverage. Here are some ways to save a little extra cash: Raise Your Deductible : The higher your deductible, the lower your premium. Just make sure you can cover the deductible if you need to make a claim. Discounts, Discounts, Discounts : If you’ve got a car with airbags or an anti-theft system, you could be eligible for discounts. Some insurers also offer discounts for things like completing a defensive driving course or having multiple cars on your policy. Drive Safely : If you keep your driving record clean, you’ll likely see lower rates. In Texas, accidents and traffic tickets are big red flags for insurers, so it’s worth keeping things safe behind the wheel. Bundle Your Policies : Bundling your car insurance with other policies like homeowners or renters insurance is a great way to save on both. What Happens if I Buy a New Car? In Texas, if you buy a new car, your insurance automatically covers it for up to 20 days. After that, you’ll want to call your insurer and let them know about the new vehicle. They’ll ensure that it’s covered correctly and that your premiums reflect your new ride. What if I’m Driving Someone Else’s Car? If you’re driving someone else’s car and something happens, their insurance is typically the first to kick in. If they don’t have enough coverage, your insurance may cover the gap. However, if you borrow someone’s car often, you might want to consider a non-owner liability policy. A Few Fun Facts About Driving in Texas: The Texas-sized Road Network : Texas is big . Really big. With over 80,000 miles of roads, you’ve probably driven across some part of the state without realizing it. That’s a lot of pavement—and a lot of potential for accidents. Hailstorms : Texas is one of the top states for hailstorms, and the damage from them can be costly. Comprehensive coverage is essential for those unexpected (and sometimes severe) weather events. Driving for Fun : Texas is home to some of the most scenic drives in the country—think Hill Country, the Panhandle, and coastal roads. It’s the kind of place where you’ll want to make sure your car is ready for the journey. Auto insurance in Texas is more than just a legal requirement—it’s a safeguard for your finances and your peace of mind while on the road. Whether you’re looking for coverage options, want to save money on your premium, or need to better understand your policy, TWFG Luarca Insurance is here to help. We’re ready to help you find the perfect auto insurance plan to fit your needs and budget. Give us a call today to get started! Click here for insurance in Louisiana and here for Texas .