Waco Car Insurance

 Searching for the best Waco car insurance rates? Waco, Texas is one of the nicest little cities around. Nestled right at the foot of the hill country, you’re just a short drive north of Austin and a short drive south of Dallas. But when you find yourself getting ready to take one of those short drives, you’ll want to know that you are protected with the right amount of Waco car insurance if the unforeseen occurs.

Waco Car Insurance Requirements

In Texas, all drivers are required to carry auto liability insurance coverage sufficient to pay up to $20,000 per injured person per accident and a total of $40,000 in personal injury per accident. You also need to carry a minimum of $15,000 in liability coverage for the damage of personal property. This basic required coverage is often referred to as 20/40/15, and it translates to what amounts get paid to a claimant if you are involved in an accident that was your fault. Many Texans feel that this is all the coverage they need to keep them out of trouble. Unfortunately, this is not the case.

While it may be true that maintaining the minimum liability coverage will keep you from getting a citation if you are stopped by local law enforcement or the state police or if you do have an accident, what happens if the minimum coverage doesn’t cover the damages to the others involved in the accident or their property? For example, what if you’ve hit a 2010 Chevy Volt and the four students from Baylor involved in the accident each need medical attention? You would be personally liable for any amounts not covered by the minimums - that could be thousands!

Even if the minimums do cover the cost of personal injury and damage to property of the other individuals in the accident, what about injuries you might have suffered, the passengers in your car, not to mention your car itself? This is where having the right Waco car insurance coverage is critical. The worst position you can be in after an accident is worrying about the cost of your care or how you’ll pay for repairs to your car.

How Accidents Impact Waco Car Insurance

Let’s take a look at a few other situations. The Texas Department of Transportation has reported that vehicle accidents have declined in the Waco area. Good news, right? Unfortunately, the number of vehicle thefts per capita in Waco is higher than that of the state or national rate. There are a higher number of stolen vehicles recovered in Waco, but very few are recovered without damage. After being without transportation for the time necessary to recover your vehicle, wouldn’t it be a further tragedy to not have the coverage necessary to make it road worthy again?

Texas has a high national rate of uninsured motorists. While Waco does have a lower rate of uninsured motorists than the rest of the state, whether the person that hit you has insurance or not is still one of the first concerns you have in a collision. Having uninsured or under insured motorist protection just makes good sense these days.
Additional Waco Car Insurance Coverage Options

Another key financial concern is rental car coverage. This usually falls within the category of comprehensive coverage. However, this coverage is elective, meaning you have to opt in and pay a little more in premium for it. What you get is a paid rental when your car is stolen or being repaired after a collision. In many areas of the country, this coverage is often overlooked. But many Waco drivers can testify that with as many wide open spaces as we have in the state of Texas, you definitely don’t want to be without transportation.

Figuring out just what you will need in case the unexpected happens on the road is very important. There are many other coverage types, amounts, as well as other variables to consider when shopping for your Waco car insurance policy. It can quickly get confusing without the right king of help.

With just a little time and the use of independent, online comparison rate tools, you’ll be able to identify just the right coverage types and amounts to fit your budget and your Waco TX car insurance needs.  Not only will you find the right coverage, you will be able to effectively select the Waco car insurance agent that will offer you the policy that you need with the level of service and customer care you expect. So whether you are taking a Sunday cruise to Lake Waco or driving Interstate 35 to Dallas, you can feel secure the whole ride.

Get Free Waco Car Insurance Quotes!

To find the best Waco car insurance rates then be sure to use the free tool on the top of the page to compare free Waco car insurance quotes. Get started finding cheap Waco car insurance coverage today!