What Texas Insurance Quotes Tell You About Your Current Policy

Though they are certainly useful tools in other areas of the country, in Texas, insurance quotes are even more important. The Lone Star State prides itself on things being bigger, but because Texas insurance premiums are a bit larger than they are in other states, getting the most for every dollar you spend on your policy is a must. From Dallas-Fort Worth to Corpus Christi and Houston to El Paso, drivers and homeowners in the great state of Texas who want the best deal on the most adequate coverage need to be aware of not only Texas insurance laws, but also the various policies available to them through different providers. When used properly, Texas insurance quotes are a critical part of finding the best policy for your particular situation, whether it's home, auto, health, life or business insurance you need. NetQuote can help you identify the insurance provider that's right for you.

Texas Insurance Policies for Drivers

As is the case in just about every other state, Texas law requires that drivers and vehicle owners carry a minimum amount of liability insurance. Recommended but not required, uninsured motorist insurance is a part of many individual policies in the Lone Star State. Drivers who have vehicles that are not yet paid off are typically required by their lenders to maintain collision and/or comprehensive coverage, to ensure that any damage, loss, or theft that occurs is covered.

When you look at the average cost of auto insurance, Texas is just on the higher side of average when compared to the country at large. While drivers across the country pay an average of $795 per year for their auto insurance, Texas drivers pay an average of $808 a year. When it comes to urban auto insurance policies, Texas is, again, neither home to the highest costs in the nation (held by Detroit, where the average annual auto insurance premiums were $4,759 in 2008) or the lowest ($868 a year, found in Eau Claire, Wisconsin).

Texas Homeowners Insurance Rates

When buying a policy for your home, Texas homeowners insurance rates are not only high, but extremely difficult to compare to those of other states. The policy forms sold by insurance providers in Texas are different than those sold elsewhere; this has caused plenty of issues for homeowners and insurance companies alike, and has driven the cost of Texas homeowners insurance up. The HO-3 policy (the most popular homeowners insurance policy nationwide) is often used to compare relative rates between states; when you compare the average cost of an HO-3 policy throughout the country, $804 a year, to the average cost of insuring a home in Texas, $1,409 a year, it is easy to see that Texas homeowners may be getting the short end of the stick.

The Texas Department of Insurance (TDI) strictly regulates the types of policies offered throughout the state, as well as the kinds of perils these policies can cover. Texas insurance providers are sometimes criticized by homeowners for not offering mid-range, moderately-priced policies that cover more of the perils most homeowners seek protection from; the fact is, however, that the HO-A, HO-A amended, HO-B, and HO-C policies that Texas insurance companies offer homeowners are not just approved, but often defined by the state. The HO-A amended policy is one of the more popular choices statewide because it offers a good compromise between the limited coverage of the HO-A policy and the rather expensive (though comprehensive) coverage of the HO-B.

Texas Insurance Quotes: How They Save You Money

No matter how unique Texas insurance is, the fact remains that no matter where you are or what kind of policy you are looking for, different companies are likely to offer you different prices for the same amount of coverage. In Texas, insurance quotes are one of the easiest and most direct ways to compare these slight to moderate differences in policy prices. Since Texas insurance costs are a little on the high side to begin with, it is even more important for Texans to make sure that they are getting the most for their insurance dollars; by getting multiple quotes and comparing them side-by-side, it becomes much easier to identify which insurance company is offering the lowest rates on the policy you want. The more quotes you get, the more likely you are to find a provider that will offer you adequate coverage at a discounted rate; here's where NetQuote can help. Fill out a brief form and NetQuote can give you up to four Texas insurance quotes from providers in your area. The mere minutes you spend entering information and comparing rates with NetQuote can, in some cases, lead homeowners, drivers, and other insurance seekers to hundreds of dollars in savings every year.

Texas Insurance Information By City:

El PasoFort WorthHouston
San AntonioDentonKilleen
AbileneSan Angelo Longview
BrownsvilleBeaumontNew Braunfels
Corpus Christi Grand Prairie Pasadena
San Marcos EulessPlano
Missouri City McAllenMesquite
PharrNorth Richland Hills Midland
Round Rock HarlingenVictoria
Cedar ParkLewisvilleRichardson
Wichita FallsTempleOdessa