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How To Get The Cheapest Car Insurance in Haltom City, Texas

Welcome to Haltom City, part of the Dallas-Fort Worth Region of Texas. In Haltom you can visit the DFW Elite Toy museum, attend a jazz festival or enjoy a classic American rodeo. If you are new to the area or if you are getting ready to insure a new driver, you have come to the right place to learn about auto insurance requirements and rates. 

It is important to note that there are several levels or types of car insurance and you just need to know the bare minimum insurance standards required by law to obtain your license. In Texas, there is the 30/60/25 law. It breaks down like this, you must carry:

$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$25,000 property damage liability per accident

Liability coverage is the cheapest auto insurance you can get. It makes sure that if you cause an accident the person or property you damage will be compensated by an insurance company. Having only liability insurance leaves you uninsured in a case where you are found at fault for an accident so keep that in mind. It’s important to keep your insurance premiums low but also weigh that against the risk of a potentially costly accident that leaves you with no car or with a stack of medical bills. 

Obtaining liability only coverage can be as little as $49 a month but your premiums will be determined by a variety of factors such as your age, your driving record, your insurance claim history and the policy type. Some of these things, such as your age, are outside of your control. But to keep a clean driving record avoid moving violations like speeding or ignoring posted traffic signs. Overtime, you can repair a spoty driving record, especially if you appeal to the courts to have old records expunged. 

Compare rates online or with your insurance broker to get the best possible rates. Rates can also vary by zip code as accidents are more likely in some areas. There are many factors that go into finding your exact premium rates so it is imperative that you do your homework to get the best policy.

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