Amarillo Car Insurance

Your 2017 Guide to Buying Car Insurance in Amarillo, TX

The “Yellow Rose of Texas” has undergone many changes as it has transformed from a small trading town to a bustling and vibrant city. The roadways have grown to accommodate the increasing traffic brought on by the city’s growing population. Whether you prefer zipping down modern Interstate 40 or taking a more leisurely drive on historic Route 66, as a resident of this city, you need a suitable Amarillo, TX car insurance policy.

An agent in the Trusted Choice® network can assist you with determining your automobile coverage needs. These agents have relationships with several different insurance providers, so they can easily find you a variety of competitively-priced policies that meet your needs and the legal requirements of the state. Contact a member agent in your neighborhood today for more information and to start comparing Amarillo auto insurance quotes.

Texas Car Insurance Costs:

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the US

Unfortunately for residents of Amarillo, car insurance rates in Texas tend to be higher than in many parts of the country. However, this does not mean that you cannot find a reasonably-priced policy that can meet your coverage needs. By taking advantage of available policy discounts, maintaining a safe driving record, and selecting a higher deductible, you can potentially save hundreds of dollars a year. Contact your agent to get low-cost, high-quality Amarillo auto insurance quotes.

Amarillo Car Insurance Must Meet State Required Minimums

Like all US states, Texas requires its residents to carry auto liability insurance at designated minimum coverage amounts. These minimums are designed to protect you from financial hardship in the event of a motor vehicle collision, and they also ensure that those not responsible for the collision are suitably compensated for their losses.

Texas Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

Failure to carry the required coverage in Texas doesn’t incur jail penalties. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their car, and license suspension.

For most traffic accidents, the state minimums will provide enough coverage. However, serious collisions may result in medical and property damage expenses in excess of these limits. If this happens, the policy holder must make up the difference out of pocket. To protect yourself from excessive costs in the wake of a major car accident, you can elect to raise your Amarillo car insurance liability coverage amount or purchase an umbrella insurance policy.

Texas Uninsured Motorists:

  • National uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

The number of uninsured drivers in Texas is a bit higher than the national figures, and there is always a chance that an uninsured motorist will be at fault in an accident. Uninsured motorist coverage is not required in Texas, but you may wish to consider purchasing it. That way, you will get the peace of mind that comes from knowing that damages caused by a driver without insurance will be covered.

Reasons to Carry Comprehensive Coverage

Comprehensive coverage will provide you with reimbursement for damages to your vehicle due to weather, falling objects, fire, theft or vandalism. If you have financed the purchase of your vehicle, your lender likely required you to carry this additional coverage.

Car Thefts in Texas:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts (per 1,000 registered vehicles): 3.28

Car theft in Amarillo has been on the decline. Recently, residents of this city reported 854 car thefts, which equates to 4.33 cars per every 1,000 registered vehicles. Compare this to 2007, when residents reported 1,230 car thefts (or 6.57 thefts per 1,000 registered vehicles), and you can see how far this city has come in theft prevention.

Only comprehensive coverage can allow you to be compensated for your loss if your vehicle is stolen. Learn more about this optional but important coverage by speaking with a Trusted Choice network representative.

Obtain a First-Rate Amarillo Car Insurance Policy

Insurance experts recommend obtaining a minimum of three insurance quotes before selecting a policy. This will ensure that you are getting your coverage at a competitive rate. Comparison shopping can often be time-consuming because you must provide each insurance company with personal information and detailed information about your vehicle. An agent in the Trusted Choice network can simplify this process and save you time by doing the comparison shopping for you.

These agents can continue to assist you long after you have purchased your policy. Your local member agent can help you with all your insurance-related needs and questions. Contact an independent member agent near you to obtain your selection of Amarillo auto insurance quotes.

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