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How to Get Texas Cheapest Car Insurance with Multi-Policy

If you have both auto and home insurance with the same insurance company, then you will be able to save up to 25% off your auto premiums and up to 35% or MORE off your home premiums. If you’re a good accident-free driver and have your homeowners insurance with the same insurance company, then you’ll likely qualify for a multi-policy insurance plan. You can also receive discounts for various safety features such as antilock brakes and airbags. Since the auto theft rate is so high in Texas, you can also save money on your car insurance by implementing various security and anti-theft devices.

It is useful to know what the most stolen cars in Texas are just so you know if your car is among the highly targeted for theft, because if it is, you may have to pay a little more for car insurance. Just to give you an indication, the list of the most stolen cars in Texas for 2013, is as follows: Ford Pickup (Full Size), Chevrolet Pickup (Full Size), Dodge Pickup (Full Size), Honda Accord, Honda Civic, GMC Pickup (Full Size), Chevrolet Tahoe, Toyota Camry, Chevrolet Impala and Ford Explorer. So the more you begin to weigh all of these factors and options available to you, the more you’ll want to take advantage of Texas cheapest car insurance rates by way of multi-policy.

You’re going to be fascinated to discover how using a rate quote tool to compare prices, is one of the most effective ways to find out which company, policy, discounts and coverage meet your needs. Not all car insurance rates are the same in Texas. Based on the company you select and the amount of your policy and other personal factors, is certainly the sure fire way to locate Texas cheapest car insurance offers.

Ideally, what you’ll want to do is to review the minimal limits, then take a look at the discounts that might help you pay less. Some people say that until you take the time to compare several companies to compare quotes, you’ll have no idea as to who have the cheapest rates. So spend a little time to do some research on that. It’ll all be well worth your while in the end.

I wonder if you were aware that in Texas, since it is a no-fault state, if there is an accident, someone will be found at fault. You must satisfy the 25/50/25 legal limits of liability set forth by the state of Texas, which basically means that you need liability coverage for bodily injury for at least $25,000 per person and $50,000 per accident; and you need liability coverage for property damage of $25,000.

Having said that, and probably this is an advantage to you, you are not required by law to carry uninsured motorist or underinsured motorist coverage. So in a nutshell, to get Texas cheapest car insurance, consider taking up a multi-policy plan that cover your car, home and even your health. If you’re the kind of person that likes to save heaps of cash on your auto insurance, then this will be exactly what you’re looking for.

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