Auto Insurance Talk

Low Cost Liability Insurance in Texas and Best Auto Insurance Companies Rating

Many factors can make the search for cheap liability insurance in Texas a rough one. A lapse in coverage, a less than stellar driving record - they all add up. If you're having difficulty finding cheap car insurance in Texas, consider looking into the Texas Automobile Insurance Plan Association. The Texas Automobile Insurance Plan Association allows you to obtain the basic Texas liability coverage, personal injury coverage, and even uninsured and underinsured motorist coverage.
The downside to the Texas Automobile Insurance Plan Association is you'll likely be charged higher rates than you would be charged by your everyday car insurance company. The upside is Texas Automobile Insurance Plan Association provides you with car insurance you wouldn't otherwise have been able to obtain. Without car insurance or some form of proof of financial responsibility in Texas, you're driving illegally which brings consequences.

In Texas, if you're caught driving without insurance or some form of proof of financial responsibility, you will be fined anywhere from $175 to $350 - and that's just your first offense. If you're caught a second time, you will pay a higher fine, and if there is a third offense, not only will you pay an even higher fine than the first and second offenses, but you also risk having your driver license suspended. Plus, you will be given a ticket for a surcharge able violation. A ticket. Sounds like no big deal, right? Wrong. In Texas, a surcharge able violation means you can be charged more than once for the violation, i.e., you'll have to pay a fine for that violation once a year for up to three years.

There are a number of factors to look for when it comes to auto insurance company ratings - financial strength, customer service, and customer satisfaction. So where do you go to get these ratings?

The best auto insurance companies rating, I've found for customer service ratings is Opinions (epinions.com). Here actual customers write about their experiences with a particular company, giving you a behind-the-scenes look at how the company treats its customers and how well they pay their claims.

Every state has a department of insurance website, and most of those sites list the consumer complaints filed against insurance companies. The number of complaints a company has compared to other companies gives you a pretty good idea of how well it treats its customers

if your state's department of insurance doesn't list company complaints, you can see them at the California insurance website (insurance.ca.gov).