Longview Car Insurance

(And how to find the best coverage and pricing)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Longview Texas car insurance

The city of Longview is famous for its festivals and is the hub of East Texas. With a growing population of 81,522, this town has a ton of character.

If you are driving in this historic town, you'll need car insurance. On TrustedChoice.com, you can find an independent insurance agent to help. 

How Many Uninsured Drivers Are In Longview, TX?

Your auto insurance policy can cover many things if you let it. When it comes to your auto policy, make sure you have uninsured/underinsured motorists or UM/UIM. This coverage will make sure you're protected if an accident occurs with an uninsured driver. Let's look at the percentage of uninsured drivers: 

  • National average: 13.0%
  • Texas average: 14.1%

Although Texas is close to the national average in uninsured drivers, it's still a cause for concern. If you are on the road, there is a chance you will be in contact with a driver who does not carry insurance. When that happens, your UM/UIM coverage will respond and pay for any expenses that arise from that claim. Speak with your Longview agent to see what limit of UM/UIM you need. 

Auto Insurance Requirements in Longview, TX

Your state will have minimum requirements for car insurance. If you are hoping to drive Longview's lively streets, you'll need to meet the state-mandated requirements. Let's see what Texas requires for car insurance limits:

  • $30,000 per person/ $60,000 per accident/ $25,000 property damage

You'll want to have the above minimum coverage, at least, but your agent may recommend higher limits. With the average car costing over $30,000, you won't have enough insurance if you only get what's required. Instead, speak with your independent agent on liability limits and how you can protect yourself.

What Other Coverages Need to Be Included on Your Longview, TX, Car Policy?

In addition to the state-mandated liability limits, you'll also need coverage for your vehicle itself. If you want to walk away from an accident with little out-of-pocket expenses, you'll need the right insurance. Let's take a look at some coverage options:

  • Comprehensive coverage: Replaces or repairs your car if damage occurs that is other than a collision.
  • Collision coverage: Replaces or repairs your vehicle when damage occurs due to a collision with another object. 
  • Rental coverage: Pays for a rental car while your scheduled auto is being replaced or repaired due to a covered loss.
  • Tow coverage: Pays for a tow of a covered auto.
  • Gap coverage: Pays for the difference between the remaining car loan and what your vehicle's worth.

The Cost of Longview, TX, Car Insurance

To get a fair price, you need to work with a knowledgeable independent agent who has options. The carriers will look at several factors to determine your rates. If you know what they are looking for, you can be better prepared. 

Car Insurance Factors That Impact Your Premium:

  • Location
  • Coverage selected
  • Credit score
  • Insurance score
  • Past claims
  • Motor vehicle reports
  • Household drivers 
  • Value and types of vehicles
  • Discount that may apply

The Average Price of Car Insurance:

  • National average: $1,005
  • Texas average: $1,823

A Longview agent is local and knows the exposures of the city. They can make sure you are covered for all your car insurance risks. Get quotes from an independent insurance agent to make sure you are getting the best rate and coverage. 

Longview, TX, Theft Rates and Your Car Insurance

Theft is bound to happen no matter where you live. One coverage that will provide insurance if your vehicle gets broken into is comprehensive. Comprehensive coverage will replace or repair any items that are stolen from a theft loss. Let's take a look at average theft rates:

  • National average: 2.37
  • Texas average: 2.48
  • Longview average: 1.72

Fortunately, Longview has a lower theft rate, which means that your chances of a break-in are less. Your car insurance premiums will cost fewer dollars because you live in a safer community. If you want protection for the what-ifs, speak with your agent about comprehensive coverage. 

Umbrella Liability Insurance In Longview, TX

Your auto liability insurance may not be enough to withstand a major claim. A roadside fatality happens often and could put you into financial ruin if you don't have the coverage in place. 

In 2019 alone, there were over 36,000 roadside fatalities. That is roughly 720 deaths per state. If you are ever involved in a car accident that is your fault, the liability will fall on your shoulders. 

With an umbrella policy, you can avoid a hefty garnishment of wages or financial loss. Umbrella insurance will provide additional liability limits above and beyond your underlying auto and home policies. The limits start at $1,000,000 and go up from there, depending on how much coverage you need. Speak with your Longview agent today on an umbrella insurance coverage.


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How a Longview, TX, Independent Agent Can Help

If you are lucky enough to work with an independent insurance agent, you'll access the best coverage and rates in town. A local independent agent can work with multiple carriers, so you don't have to shop around. 

You can connect with a Longview independent agent on TrustedChoice.com using their find-an-agent tool. Find the right car insurance for the right price today.

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