by 
The Curious Bag
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If you are planning to own a car in Texas, know that the state requires you to buy auto insurance. How much you really need depends on several factors, but extra insurance is usually safer.
Identification
The state of Texas requires, at minimum, liability insurance coverage of $40,000 for injuries to people and $15,000 for property damage, according to CarInsurance.com.
Considerations
CarInsuranceRates.com recommends that drivers consider buying more than the state-required minimum liability coverage. Liability policies do not pay for damages to your own car.
Expert Insight
Not all states demand that drivers hold any type of automobile insurance policy, reports CarInsuranceRates. Thus, it is advised to also acquire uninsured motorist coverage in case someone with no insurance from another state damages your vehicle.
Interesting Fact
The average insurance policy for a Texas resident cost $1,833 in 2009, slightly higher than the national average of $1,753, according to CarInsurance.com.
Tips
You can get more coverage for less with a few money saving tips. AutoQuoteNow suggests leaving the car in a garage when not in use, increasing your deductible, and consolidating all types of insurance under one company.
Source:
CarInsurance.com: Minimum Auto Insurance in Texas
CarInsuranceRates.com; Texas Car Insurance: Requirements
CarInsurance.com; Texas Car Insurance - Auto Insurance Quote in TX
Resource:
AutoQuoteNow.com; Texas -- Tips for Saving on Car Insurance; Krueger, Hayden
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