A stretch of US 83 from San Eduardo Avenue to Mangana-Hein Road is on the Texas Department of Transportation’s list of the most congested state roadways. When traffic is heavy, poor judgment on the part of one driver can easily lead to a multi-vehicle collision. A top-rated Laredo, TX car insurance policy can protect you from the financial hardships a motor vehicle collision can present.
The Trusted Choice® network of insurance agents can assist you with determining your personal auto coverage needs. By using their relationships with several different insurance companies, independent member agents can easily find you a variety of competitively priced policies that meet your needs and adhere to Texas state-required minimums. Contact a local member agent today to start comparing Laredo auto insurance quotes.
Insurance premiums in Texas are considerably above the national average. Fortunately, there are ways to save money on your car insurance. A local Trusted Choice member agent can review your policy and help ensure that you are not paying too much. Combined-policy discounts, higher deductibles, and automatic electronic payments are just a few examples of ways you can obtain reduced monthly premiums.
The liability minimums required in Texas are designed to protect both you and any third party with whom you may be involved in a vehicular collision. 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 minimum coverage amounts mandated by the state are usually adequate for low-to-moderate impact collisions. However, in the event of a serious accident, you may find yourself responsible for medical or property damage expenses that go beyond the minimum coverage amounts. In this case, you may need to pay the additional amounts out-of-pocket. You can avoid this financial risk by purchasing additional liability coverage or an umbrella insurance policy.
While Texas actively enforces required insurance laws, the number of uninsured drivers is higher than the national figure. Uninsured motorist coverage is not required, but it's a good idea to purchase it. Then you will know damages will be covered if an at-fault driver does not have liability insurance or the money to compensate you.
Laredo drivers without the required coverage cannot renew registrations, get car inspections, or renew driver's licenses. The new Texas Sure program uses a database to match registered vehicles with insurance as well. Vehicle owners without insurance will get a notification in the mail.
In addition to purchasing coverage that meets the state required minimums, you can also elect to include comprehensive coverage. This will provide you with reimbursement for loss or damage caused by falling objects, severe weather, fire, vandalism or theft.
If you financed the purchase of your vehicle, your lender most likely required you to carry comprehensive coverage. If your vehicle is paid in full, you may still want to consider purchasing comprehensive coverage to protect your finances in the event that your vehicle is stolen.
While the car theft rate in the state of Texas is higher than the national rate, fewer thefts occur in Laredo. Recently, residents of this city reported 278 cases of vehicular theft. That equates to 1.10 out of every 1,000 registered vehicles, which is well below the national rate.
Securing a Laredo 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 then provide you with quotes from a variety of insurers. Comparison shopping for car insurance has never been so easy.
These independent agents can do more than just help you in find a great car insurance policy. At your request, they can review your other insurance policies to make sure you are sufficiently covered. They may even be able to save you money by finding you less expensive coverage. Contact a member agent in your neighborhood today to start comparing competitively priced Laredo auto insurance quotes.