Anyone who has ever driven on Loop 288 knows how dangerous it can be, particularly in heavy traffic. Likewise, Interstate 35 is frequently congested with traffic going to and from Dallas and Fort Worth. I-35 is also a well-known location for traffic accidents. Of course, accidents can happen anywhere, so it is important that residents protect themselves from financial losses with a comprehensive Denton, TX car insurance policy.
For assistance finding a suitable car insurance policy, contact an independent agent in the Trusted Choice® network. These agents can help you assess your coverage needs and can explain your many coverage options. A local member agent can quickly provide you with a variety of competitively-priced policies that meet your needs and budget. Contact a local member agent today to get more information and to start comparing Denton auto insurance quotes.
Texas premiums are on average a bit higher than the national average, but keep in mind that you may actually pay more or less for your policy. Insurance quotes will take into consideration a number of factors unique to you, such as the make, model and year of your car, and your driving record.
Every state has minimum liability requirements for automobile insurance, and Texas is no exception. There are stiff penalties for failure to carry the required insurance. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.
These minimums are designed to protect both your finances and those of any third party who may be involved in an accident with you. Though the minimums may seem high, a major collision that includes injuries has the potential to go beyond the coverage limits of a basic Denton car insurance policy. If this happens, you will be responsible for paying the excess costs out of pocket. For this reason, most insurance experts recommend that you purchase as much liability protection as you can afford.
You also have the option of increasing your liability coverage through an umbrella insurance policy. An agent in the Trusted Choice network can provide more information about this type of insurance.
The number of uninsured drivers in Texas is higher than the national rate. Even though uninsured motorist coverage isn't required by the state, you may want to consider purchaing it. This coverage ensures that damages will be covered even if you are in an accident where the at-fault driver has no insurance.
While the car theft rate in this state is higher than the national average, residents of Denton are at a low risk for becoming victims of this crime. Recently, there were only 141 reported car thefts in this city. This equates to only 1.10 thefts per every 1,000 registered vehicles, which is well below the state rate. Despite the low risk, residents are advised to secure their vehicles whenever they are not in use.
Including comprehensive coverage with your Denton car insurance policy will enable you to receive reimbursement for loss or damage to your car that is caused by property crimes such as theft and vandalism. It will also protect you from damages caused by falling objects, weather-related events and fires.
Insurance experts agree that, in order to ensure that you are purchasing your policy at a competitive rate, you should always obtain a minimum of three insurance quotes. Independent agents in the Trusted Choice network can simplify the task of comparison shopping by obtaining a variety of rate quotes for you. Each member agent has relationships with several different insurance providers and can use these relationships to help you find a suitable policy at a great rate.
A local member agent can do more than just help you find an affordable car insurance policy. These agents are also available to assist you with all your insurance-related questions and needs and can even advocate for you if you need support during the claims process. Contact an agent in your neighborhood today and start comparing Denton auto insurance quotes in no time.