Many factors can make the search for cheap car insurance in Texas a rough one. A lapse in coverage, a less than stellar driving record –. They all add up. If you’re having difficulty finding cheap car insurance in Texas, consider looking into the Texas Automobile Insurance Plan Association. The Texas Automobile Insurance Plan Association allows you to obtain the basic Texas liability coverage, personal injury coverage. Even uninsured and underinsured motorist coverage.
The downside to the Texas Automobile Insurance Plan Association is you’ll likely be charged higher rates than you'd be charged by your everyday car insurance company. The upside is Texas Automobile Insurance Plan Association provides you with car insurance you wouldn’t otherwise have been able to obtain. Without car insurance or some form of proof of financial responsibility in Texas, you’re driving illegally which brings consequences.
In Texas, if you’re caught driving without insurance or some form of proof of financial responsibility, you'll be fined anywhere from $175 to $350 –. That’s just your first offence. If you’re caught a second time, you'll pay a higher fine. If there is a third offence, not only will you pay an even higher fine than the first and second offences. You also risk having your driver licence suspended. Plus, you'll be given a ticket for a surchargeable violation. A ticket. Sounds like no big deal, right? Wrong. In Texas, a surchargeable violation means you can be charged more than once for the violation, i.e., you’ll have to pay a fine for that violation once a year for up to three years.
So, looking to the Texas Automobile Insurance Plan Association for cheap car insurance in Texas may not give you cheaper car insurance rates than standard car insurance companies. It'll give you a cheaper bill than you'll get if you’re caught driving without car insurance or proof of financial responsibility.