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These days, with the cost of just about everything skyrocketing, it’s a challenge to stay within a budget. Watching pennies has become a way of life for many of us, making it tough to afford even the most basic responsibilities. The good news is, when it comes to car insurance in Texas, you don’t have give up coverage to get a rate you can afford. Here’s how to secure quality car insurance in Texas with a policy that fits your needs and your budget.

Think More About What You Need Than Premium Price

Instead of focusing exclusively on cost, think about what it is that you really need in car insurance coverage. In other words, recognize where you can and can’t afford to make cuts in coverage and try to design a plan around those priorities. Simply because a certain policy is within your budget, doesn’t necessarily mean that it provides coverage to best suit your needs. Thinking more about the types of risks you can take and the specific coverage you need first, will ensure you don’t pay for something you don’t need, or worse, miss something you truly do need.

Liability Coverage is a Must Have

There’s no way around it, liability coverage is a requirement for Texas car insurance. In fact, it’s the law and if you choose to drive without it, you will be in violation. With that said, liability coverage is generally not expensive, but critical when it comes to practical coverage. Liability pays for bodily injury and property injury that you cause as well as any legal fees if you are sued in a court of law. Keep in mind, while you can survive the costs of totaling your car if you should have an accident, without liability protection built into your Texas car insurance, chances are slim that you could avoid financial devastation in the event of a serious accident where someone is seriously injured or killed.

Comprehensive Coverage May or may Not Make Sense For You

Depending on your driving habits and where you live, comprehensive coverage may or may not be the right choice for you. In Texas, car insurance should be customized to fit your specific needs and comprehensive coverage provides protection from “non accident” incidents like damage from storms, natural disasters, theft and even animals. If you are looking to save money and wanting to maximize your insurance dollars, comprehensive coverage may not be necessary. On the other hand, if you travel long distances frequently, spend a lot of time in areas prone to inclement weather or drive a new vehicle, comprehensive coverage may make sense.

Maximize your insurance dollars with coverage you can afford by thinking less about premiums and more about designing a policy with the type of protection you need. Liability is a requirement for car insurance in Texas, but comprehensive coverage is not. Be sure to think about your needs as well as your budget to ensure you find the perfect policy to fit both.

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