Garland, TX, just northeast of Dallas, is a comfortable, middle-class city is also home to some of the most congested roadways in the state, according to the Texas Department of Transportation. Over 66% of the households in Garland have two or more cars.
The right Garland, TX car insurance can help you protect your standard of living. To find good coverage, contact a local independent agent of the Trusted Choice® network. An agent will help you compare Garland auto insurance quotes and answer your auto policy questions.
Texas insurance costs are considerably above the national average, but keep in mind that this is only an estimate of how much your policy will cost you. 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.
Like other Texas vehicle owners, Garland residents need to purchase required minimum coverage in order to drive legally. There are stiff penalties for failure to carry the required insurance coverage. 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.
The number of vehicle accidents is increasing along with rapid growth in cities in Texas. Traffic and congestion increase your risk of being in an accident, but the right Garland car insurance can protect your finances and those of the other drivers on the road. Liability insurance, in particular, protects you and the other driver when you cause an accident. This insurance pays for medical costs associated with third-party injuries, and also pays for repair and replacement of third-party property. When you carry this important insurance, you can have peace of mind, knowing that a liability lawsuit from a car accident won't ruin your finances.
The number of uninsured drivers in Texas is higher than the national figure, and there is always a chance that an uninsured motorist will be at fault in an accident. While uninsured motorist coverage is not required in this state, purchasing it is a good idea. That way, you will know that damages will be covered if an at-fault driver does not have liability insurance or the money for compensation.
Texas is cracking down on uninsured motorists, and some cities in the Dallas-Forth Worth metropolitan area are taking enforcement even further. If you have no proof of liability insurance in Garland, the police can tow your car away. Required liability insurance will be included in any policy quotes you request from a local auto insurance agent.
Texas has a rate of stolen vehicles that is higher than the national rate. The city of Garland publishes some helpful tips to help residents protect their vehicles. Most stolen vehicle incidents are crimes of opportunity; it's therefore a good idea to secure your vehicle when unattended and keep valuables out of sight.
Is your car covered if it is stolen or vandalized? Only comprehensive insurance covers theft and vandalism. You can discuss that policy option with your local agent.
Contact a local Trusted Choice member agent to compare rates on Garland car insurance companies and discuss policy options. A member agent can also help you make claims or find other types of insurance.