Allen Car Insurance

Your Complete Guide to Allen, TX Car Insurance

(And how a local independent agent can help.)

Allen Texas car insurance

The town of Allen, Texas, is populated with roughly 100,685 residents and known for the first train robbery in Texas. Allen is also home to the only remaining stone dams, making it unique.

If you're a driver in Allen, then you'll want to be insured properly. Connect with a local independent insurance agent to get started on car insurance quotes.

Crime Rates in Allen, TX and Car Insurance

Since this is the first city in Texas to have a train robbery, which happened in 1878, you may be wondering about the crime. Theft rates will affect your auto insurance premiums, so you may want to know the numbers. 

Average Theft Rates per 1,000 vehicles:

  • National average: 2.37
  • Texas average: 2.48
  • Allen average: 1.09

For a town with a rocky beginning, it sure has a low theft rate. Allen comes in at less than half the state and national rates, making it a pretty safe spot. Get with your local agent to see how crime in Allen impacts your car insurance premium.

What Are the Car Insurance Requirements in Allen, TX?

When living almost anywhere in the US, car insurance is required. Each state has minimum insurance requirement to use its roads. Typically, the liability limits are the lowest you can get, so you may want to increase your coverage with your agent. Let's look at what Allen, TX, requires for car insurance:

  • Minimum liability limits of $30,000 per person
  • Minimum liability limits of $60,000 per accident
  • Minimum liability limits of $25,000 property damage

Liability is one of the most important coverages you can have when driving a car. Since the state law is for minimum limits, you will need to decide which limit is right for you. Remember that today's average vehicle cost is over $30,000, which would not allow for enough coverage under the state minimum requirements. Contact your independent agent to get quotes on different liability limits for your auto insurance.

Other Car Insurance Options in Allen, TX

There are many other coverages to choose from when selecting car insurance. If you want a more comprehensive auto policy, it's a good idea to know your options. Let's take a look at optional car insurance coverages in Allen, TX:

  • Comprehensive: This will pay for property damage to your vehicle caused by incidents other than collision, such as theft, fire, vandalism, severe weather, and animal damage.
  • Collision: This will pay for the damage to your car when a collision with another car or property occurs.
  • Towing: This will pay for the towing of a covered auto.
  • Gap: This will pay for the remaining balance on your car loan if your vehicle gets totaled and there is a difference between that balance and its actual value.
  • Rental car: Pays for a rental car to replace a damaged covered auto due to an accident.

There are several coverage options when it comes to your Allen auto insurance. To know which car insurance policy is right for you, speak with your independent agent.  

What about Additional Liability Insurance in Allen, TX?

There are a couple of choices when it comes to adding liability coverage to your insurance policies.

How to Add Liability Insurance:

  1. Increase your current liability limits on your auto policy.
  2. Add an umbrella policy to go above your underlying auto policy coverages.

An umbrella insurance policy starts at $1,000,000 in additional liability coverage for your underlying policies and goes up from there.

Once your underlying auto policy limit is exhausted due to a large or fatal claim, your umbrella policy will apply. It's important to know that there is no more coverage under your insurance once your insurance limits have been used. If you have an umbrella policy, you won't have to worry about exhausting your limits. Discuss your liability insurance options with your agent.

How Many Uninsured Drivers Are There in Allen, TX?

Even though Allen is a relatively safe town, it still has its fair share of uninsured or underinsured drivers. Let's look at the numbers:

  • National percentage of uninsured drivers: 13.0%
  • Texas percentage of uninsured drivers: 14.1%

While Texas has a comparable percentage of uninsured drivers, the threat is still there. To better protect yourself from unsafe drivers, get uninsured/underinsured motorist coverage. This will protect you and your family from financial loss if another driver does not have adequate insurance coverage. Speak with your independent agent about uninsured/underinsured motorist insurance today.

Will Your Auto Policy Insure Uber Drivers in Allen, TX?

The majority of car insurance policies out there today exclude coverage for rideshare or livery services. Things like driving for Uber, Lyft, Amazon, or food delivery services are prohibited on your personal auto policy. 

If you are considering making some money from a side hustle by driving for one of these livery services, speak with your agent. They can quote a business auto policy so you can be protected from a lawsuit. If you are already driving for one of these companies and have failed to get proper car insurance, call your agent today.  

How an Allen, TX Independent Insurance Agent Can Help

If you are looking for car insurance that fits your needs and budget, an independent insurance agent can help. They have access to many carriers so they can shop coverage and pricing. 

If you work with an independent agent, you can save time and money, making insurance buying easy. Go to TrustedChoice.com and use the find-an-agent tool to get connected in minutes.

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TrustedChoice.com Article | Reviewed by Candace Jenkins

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