If you plan on moving to Austin from another state, you are not alone. Texas' economy continues to grow. New opportunities are drawing countless new residents to the state. For Austin, that means a large population boom. The growth has created a significant need for new infrastructure in and around the city. Therefore, driving might prove risky. To protect yourself, you need auto insurance. How can you ensure you get coverage appropriately?
Texas requires residents to carry auto insurance and state registration on their vehicles. Therefore, a timeline exists for which you must undertake this process.
Registration Rules In Texas
When you move to Texas, you'll have to switch your residency status. Given that states manage their own vehicle registration, you'll have to get a new Texas license plate, driver's license and vehicle insurance. You will face a timeline in which to do so.
Within 30 days of moving in, you'll have to register your vehicle with the state. This will involve:
- Having a state-required vehicle inspection
- Obtaining Texas car insurance
- Paying applicable fees
- Placing tags and registration stickers on the vehicle
During this period, you also have the opportunity to transfer your vehicle's title to Texas. However, this is an optional task you can choose at your discretion.
Furthermore, you have 90 days after your move to obtain a Texas driver's license. Texas manages driver's licenses and vehicle registration through separate agencies. So, check with the Texas DMV for your registration rules. The Texas Department of Public Safety will handle your license.
Getting Car Insurance
To register your vehicle in Texas, you must get car insurance. Thus, as you gather information to register, also work on getting an auto policy.
To get adequate coverage, you must meet certain requirements. Texas requires all drivers to carry auto liability insurance. The limits of your policy must contain at least:
- $30,000 bodily injury liability insurance per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
You'll use your liability coverage to pay for the losses of other parties if you are at-fault in an accident. So, it's often in your best interest to carry more than the minimum levels of coverage. In limited cases, Texas will accept an out-of-state car insurance policy. However, it must still meet the minimum coverage requirements.
Don't let liability insurance be the extent of your policy. Also consider investing in collision, comprehensive and uninsured/underinsured coverage. These protections can help you pay for your own vehicle damage. Thus, you'll create a better financial cushion. Get a quick quote from Cheapest Auto Insurance to get started.
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