Friday, November 12, 2010

Make No (Uninsured) Messes in Texas

I read an internet post by an incensed individual who claimed that the government was trying to take over because they compelled him to have auto insurance. Actually, most auto insurance is totally optional. It is up to you if you want no coverage for yourself or your vehicle should you get into a wreck. Just have at. What is NOT optional is liability coverage for the other driver that you may hit.

Sure, there are illegal uninsured motorists on the road, but not as many these days as there once were. We still carry uninsured motorist insurance just in case, but you definitely don't want to go with nothing, as if you cause an accident and don't have the insurance, it is possible someone could go after your assets for property damage depending on how serious it is.

I was surprised how greatly auto insurance coverage varied. From one company to the next, I found a few deep discounts. However, you want to check what actual coverage you are getting. Are you getting less coverage with that discount? If you are really only looking for the minimum you can legally carry, the savings is more pure savings rather than a company making up a different type of package and it only appearing like you are getting savings.

If you are looking for cheap car insurance Austin TX, you probably won't have to worry about snow and ice related collisions, but on the other hand, you may have to worry more. Drivers forget how to drive in snow and ice and the whole town seems to panic and shut down with a light dusting. I will take experienced snow drivers on the ice over the freak ice storm in a warmer state any day.

At any rate, if you go to, you can compare rates across several insurance carriers. Just plug in your zipcode and give it a whirl.



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