Cheap Car Insurance in Alamo
Texas car insurance law minimum requirement - As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
|Company||Annual premium (50/100/50)||Market share||Complaints|
|State Farm||$489||16.03% ($3,074,590,659)||119|
|Liberty Mutual||$550||4.36% ($836,938,040)||64|
Get Cheap Car Insurance Quotes in Your Area
We recommend you to get car insurance quotes and compare them before choosing an insurance plan. People save up to 40% on car insurance by doing the comparison shopping.
Insurance Agents in Alamo, TX and Near by
0 miAldo Quesada521 E Frontage Rd Ste B, Alamo, TX 78516(956) 787-9292
0 miRick Alvarado823 Main St, Alamo, TX 78516(956) 781-0979
0 miMonica De La Cruz1317 W Frontage Ste A, Alamo, TX 78516(956) 782-0700
0 miJuan Hernandez1317 W Frontage Rd Ste B, Alamo, TX 78516(956) 702-6841
0 miImelda Gonzalez501 N Alamo Rd Ste B, Alamo, TX 78516(956) 223-4580
0 miCarlos Longoria136 S 9th St Ste C, Alamo, TX 78516(956) 961-4345
2.67 miValley Insurance Providers400 W Expressway 83, San Juan, TX 78589(956) 787-8536
2.67 miRaul Resendez102 W Amy Dr, San Juan, TX 78589(956) 702-2886
2.67 miJorge Benitez1205 N Raul Longoria Rd Ste K, San Juan, TX 78589(956) 961-4045
2.67 miJuan Rodriguez700 N Veterans Blvd Ste C, San Juan, TX 78589(956) 782-5300
2.67 miDirect General Auto Insurance901 West Expressway 83, San Juan, TX 78589(956) 702-1800
2.67 miConnect Insurance Agency905 W Fm 495 Ste 4, San Juan, TX 78589(956) 782-8191
2.67 miRicardo Puente2203 N Raul Longoria Rd Ste B, San Juan, TX 78589(956) 782-8425
2.67 miMichael D. Valadez200 W Interstate 2 Ste K, San Juan, TX 78589(956) 961-4745
2.67 miEloisa Fernandez2812 N Raul Longoria Rd Ste 3, San Juan, TX 78589(956) 961-4327
2.67 miPremier Group Insurance - Lorena Lara614 E Nolona Loop Ste E, San Juan, TX 78589(956) 787-6867
2.67 miEliborio Saenz200 West Expressway, San Juan, TX 78589(956) 783-4949
Car Insurance Facts Alamo, Texas
Car Insurance Laws in Texas
The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.
Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.
Penalty for Driving without Car Insurance in Texas
You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.
The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.
Car Insurance Support in Texas
Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.