Accidents do happen even to the best of drivers, so auto insurance is needed to
protect you against any financial loss in the wake of an accident. You buy an
insurance to protect your car, self, fellow drivers and pedestrians.
Texas is one of the large states of America and one with a booming economy, so
residents here are more likely to buy new cars. However, driving out a car
without insurance can get you penalized under law or even behind bars sometimes.
The laws in Texas require a motorist to have the minimum insurance coverage.
According to the laws, amended on April 1st 2008, the minimum auto insurance
liability coverage requirement are $25000 for body injury coverage per person,
$50000 for everyone hurt in an accident and $15000 for property damage. This
basic coverage is commonly known as 25/50/15.
There are many auto insurance companies in Texas, that a person can visit but
there are also several online auto insurance agencies that might offer
competitive and sometimes even lower rates. Some of the most popular companies
providing auto insurance in Texas are Geico, State Farm, AIG, Progressive,
ESurance and AllState.
According to me, StateFarm Auto Insurance Company provides best auto insurance
in Texas. State Farm has been providing excellent automobile insurance coverage
at an affordable price since 1922. Apart from basic Liability insurance policy
required by Texas law, they also offer various other coverage such as
comprehensive and collision, medical and physical damage coverage. You can get
your StateFarm auto insurance quote online by submitting their online quotes
form. It is very secure and keeps information related to you anonymous to
others.
An ‘A+’ rating holder in A.M. Best ratings, StateFarm has sound financial health
and stability. According to the ‘Texas Department of Insurance’ StateFarm auto
insurance has an ‘Automobile Complaint Index’ of 0.26 (below 1 is considered
good) with total complaints being 123 out of 2,948,801 automobile policies in
Texas, as per 2007 data. They have earned a reputation for settling claims in
the fastest time possible and paying out the exact amount of claims.
With their extensive network of accredited car body shops, it is sure that you
will find one in your neighborhood. The customer services is available 24/7 on
the phone or online and is excellent. StateFarm Auto Insurance was the market
leader with a total market share of 19.38% by writing premiums of over
$2,279,756,112 in Texas, as per the 2006 data of Texas Department of Insurance.
They also offer various discounts such as discount to young drivers and
forgiveness option, which help you save a lot.
With StateFarm being ranked 3rd in J.D. Power and Associates 2008 Auto Claims
Satisfaction Study it is now almost clear that with their coverage, discounts,
lower premiums, multiple payment options, wide body-shop network and an
efficient customer service back up StateFarm is the best auto insurance provider
in Texas.
