Get an Instant Quote Online Now!

Get Affordable Car Insurance in Texas

OnGuard Insurance offers Affordable Car insurance in Texas through our vast network of auto insurance partners.  As authorized agents of many top-rated auto insurance carriers in Texas, we’re able to save our clients money regardless of their situation.  We work with carriers ranging from the non-standard to the preferred market so weather you have a perfect record or not, we have a carrier that will offer you competitive rates on your car insurance in TX.  See how much we can save you on your auto insurance in Texas; get your quick Quote Online now or call (888) 997-8683 to speak with an agent today!

Texas Auto Insurance Quotes

OnGuard Insurance offers comparative Texas Auto Insurance Quotes online as well as over the phone.  We know that these days just saving money simply doesn’t cut it anymore and people are also looking to save time as well.  That’s why we’ve provided an online comparative rater that will not only help save you money but time as well.  With just some basic information and in only about 3 minutes, our site will instantly display the rates of multiple top rated TX car insurance companies.  That’s right, simply enter some info about you and your car and will display a list of TX auto insurance quotes in order of lowest price.  Compare, choose & save… save big!  Finding Cheap Auto Insurance in Texas has never been easier; get your free rate quotes online today!

Cheap Texas Car Insurance

Throughout the years, we’ve hand selected multiple insurance companies to work with and produce for.  The selection process was simple; find the cheapest Texas car insurance providers that don’t sacrifice on the service or claims side and create strong bonds with them.  After many years of going through an elimination process, we’re confident that we have accomplished just that.  We have compiled some of the best companies for Texans to take advantage of.  Take a few minutes to see how our work can benefit you; get your cheap Texas car insurance quotes in just minutes today!

Minimum Auto Insurance Requirements in Texas

Texas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability insurance pays to repair or replace the other driver’s car and pays other people’s medical expenses when you’re at fault in an accident.

If you buy insurance to meet the state’s financial responsibility law, you must buy at least the minimum amount. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage.

Because of car prices and the high cost of medical care, the minimum amounts might not be enough to pay all of the other driver’s costs if you’re in an accident. Other drivers could sue you to collect the difference. Consider buying more than the basic limits to protect yourself financially.

Liability insurance doesn’t pay to repair or replace your car or to treat your injuries. Other types of coverages such as personal injury protection, uninsured or underinsured motorist, medical payments, collision, and comprehensive – can help you pay for these expenses.

Proof of Financial Responsibility

When you buy an auto policy, your insurance company will send you a proof-of-insurance card. You must show your current card when you:

  • are asked for it by a police officer,
  • have an accident,
  • register your car or renew its registration,
  • get or renew your driver’s license, and
  • have your car inspected.

If you have been in a crash or convicted of certain offenses, the Texas DMV can request you purchase additional auto insurance coverage and/or an SR22 filing.

These are the state’s requirements to drive legally but if your vehicle is financed or leased then your financing company will also require you to carry additional coverage such as comprehensive and collision to cover their assets.  We offer great low rates on minimum coverage as well as on full coverage insurance in Texas.  See how much our rates are for you, get a quick TX Auto Insurance Quote Online now or call (888) 997-8683 to speak with an agent today!