## Step 1 — Decide the coverage before you compare prices
Comparing quotes at the legal minimum produces a misleading comparison.
## Step 2 — Get quotes with identical limits
Same liability, same deductible. Otherwise you are not comparing like with like.
## Step 3 — Ask what is excluded
Exclusions differ more than prices and are harder to undo.
## Step 4 — Bind the policy and get proof immediately
Do not wait for paperwork by post. Ask for digital proof the same day.
## Step 5 — Verify proof meets the requirement
Confirm it satisfies Texas requirements, not just that a policy exists.
### Timing note
Digital proof is same-day in most cases. Physical certificates can take a week.
## Frequently Asked Questions
### How long does a quote take?
Minutes online. Longer if the carrier needs to verify records.
### Can I cancel?
Within the free-look window in most states. Check the terms.
### Do I need every driver’s details?
Yes. Undisclosed drivers invalidate coverage.