Anyone who has ever driven on Interstate 35 or the Central Texas Expressway near Killeen knows how dangerous these roads can be, particularly when they are heavily congested with fast-moving traffic. Accidents are not limited to the highways, however. This city sees plenty of accidents on Business Loop 190 and residential streets. A top-rated Killeen, TX car insurance policy can protect you from the financial losses often associated with motor vehicle collisions.
An independent insurance agent in the Trusted Choice® network can help you find a first-rate policy at a price that fits your budget. By using their relationships with several different insurance companies, these agents can easily provide you with quotes for a variety of competitively priced policies that both meet your personal coverage needs and adhere to state-required minimums. Contact a member agent in your neighborhood today to begin comparing your selection of Killeen auto insurance quotes.
The state of Texas is one of the more expensive places in the country in which to insure your car. You can reduce your policy costs by electing higher deductibles, maintaining a safe driving record and selecting an insurance policy that comes at an economical rate. An agent in the Trusted Choice network can help you find an affordable policy that offers the right coverage to meet your needs.
All Texas motorists are required to carry liability insurance on their vehicles. Comprehensive coverage may be required by your lender if you have financed the purchase of your automobile, but is otherwise optional.
All car insurance policies in this state must meet the Texas state-required minimums for liability coverage. This required coverage is designed to protect both you and any third party that may be involved in an automobile collision with you. 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
These minimum coverage amounts are nearly always adequate to cover the costs associated with low-to-moderate impact collisions. However, in the event of a serious accident, you may find yourself responsible for extensive medical treatments or property damage costs that go beyond these coverage amounts. If this happens, you may be responsible for paying the difference out of pocket.
You can avoid this financial risk by raising the liability coverage on your Texas car insurance or by purchasing a separate umbrella insurance policy. A Trusted Choice network agent can help you determine which option is the most cost-effective for your particular situation.
Despite the penalties associated with failure to have insurance, more than 13% of the drivers in this state are driving without it. Uninsured motorist coverage isn't required, but getting it is a good idea. That way, if you are involved in a collision with an uninsured or hit-and-run driver, you can still receive compensation for your injuries and damages.
In addition to liability coverage, you can select from several other coverage options, including comprehensive coverage. While many lenders require this coverage if you finance the purchase of your car, once you own the vehicle outright, it becomes optional. This additional insurance can provide you with reimbursement for losses or damage caused by falling objects, inclement weather, fire, vandalism or theft.
While the car theft rate in the state of Texas is higher than the national rate, it is lower in the city of Killeen. Recently, this city’s residents reported 221 auto thefts. This equates to 1.60 out of every 1,000 registered vehicles, which is much lower than the overall state rate. Though the theft rate is low, residents should still secure their vehicles by locking them when not in use and parking in secure lots or garages or in well-lit areas.
Securing a car insurance policy that meets both your coverage and budgetary needs does not need to be a time-consuming process. A local agent in the Trusted Choice network can work with you to assess your coverage requirements and can then obtain and help you review quotes for a variety of policies that meet these needs. Comparison shopping for Killeen car insurance has never been so easy.
These independent member agents can do more than simply help you find a great car insurance policy. At your request, member agents can help you review your other currently held insurance policies to ensure that you are adequately covered and that you are paying for them at a reasonable rate. Your agent may even be able to find ways to save you money. Contact a member agent in your neighborhood today to start reviewing your selection of Killeen auto insurance quotes.