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Tip #15 Liability Bodily Injury and Property Damage (BI/PD): This texas insurance coverage provides protection if you are at-fault in an accident that causes injury to people or damage to property. Property damage includes physical damage to other vehicles as well as other property, such as a building, sign, etc. Most states, including any texas car insurance quote, require a minimum limit of BI/PD coverage. Higher limits are usually available and always recommended in a texas car insurance quote- it's wise to consider the worst case scenario. If you are in an at-fault accident and total a very expensive car, yet have low liability limits on your carinsurance, you'll be responsible to pay out-of-pocket for the damage. Collision Coverage: This carinsurance coverage pays for damage to your auto caused by an at-fault collision. This could be a collision with another vehicle or other property, such as a building or sign. This coverage includes a deductible and may be required by a lender for a financed vehicle. This autoinsurance also applies to hit and runs and uninsured motorist coverage but keep in mind you'll have to pay your deductible to repair your auto in either case. Comprehensive (Also referred to as Other-Than-Collision or "OTC"): This coverage pays for damage to your vehicle for reasons other than a collision. This includes theft, fire, vandalism, windstorm, etc. This coverage includes a deductible. Collision coverage and Other-Than-Collision coverage are collectively known as "Physical Damage" coverage. Comprehensive coverage may be required by the bank that finances your vehicle.

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15a. Comparison fact: Countless people wait until after their current carinsurance is past due before searching
for a free carinsurance quotation and eventually buying new autoinsurance.

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15.) AutoInsurance "Grace Periods" (Part I).

Carinsurance companies email or snail mail monthly, quarterly and/or annually with specific payment due dates. A staggering number of people wait until AFTER their payment due date to start searching for better rates from another TX carinsurance company. Some succeed. Most don't. Here's why...

There is no official "grace period" between the time that your payment is due and you receiving an auto-generated letter stating that your autoinsurance will be cancelled in 10 days (from payment due date) because of non-payment. At this point, many autoinsurance companies will accept your payment and everything will be fine. Some won't.

The problem is... if you, willingly or out of necessity, search for autoinsurance online and/or request rates, your status with your current carinsurance is technically "cancelled" as of the date on the auto-generated letter which will put you in a totally different autoinsurance category - uninsured - making every autoinsurance quotation you receive much higher, sometimes doubled or even tripled.

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