San Angelo Car Insurance

Your Complete Guide to San Angelo, TX, Car Insurance

(And how to find the best rates and coverage)

San Angelo Texas car insurance

A growing community and epicenter for some of the country's most innovative uses is San Angelo, Texas. Today, this 100,119 resident town is the trade and services hub of the area. 

If you live in this historic city, you will need car insurance to drive the culturally diverse streets. On TrustedChoice.com, you can connect with an independent insurance agent to help obtain quotes. 

Why You Should Consider Auto Liability Insurance in San Angelo

Your auto liability insurance is one of the primary coverages on your insurance policy. Liability will pay for things when you are involved in an at-fault accident. It's key to know what items your auto liability insurance will cover. Let's take a look at the facts:

  • Bodily injury medical expenses of another party
  • Property damage expenses of another party's vehicle or property

Another liability insurance policy that would provide additional liability coverage over your underlying auto and home policies is umbrella insurance. An umbrella policy is useful when a large claim occurs and you've exhausted your underlying policy limits. Typical policy limits for umbrella insurance start at $1,000,000 and go up from there.

The median income in San Angelo, TX, is $46,100, which means a large claim may put a lot of financial stress on you if you're not covered. Contact your local independent agent and find out what limit of liability is right for you.

What Is Required to Drive in San Angelo, TX?

If you're caught driving without the state-mandated limits of liability, you could be fined or worse. Texas has a minimum car insurance requirement to use its roadways. It is a good idea to know what coverage is mandatory in San Angelo.  

Minimum Insurance Requirement for San Angelo, TX:

  • A minimum liability limit of $30,000 per person/ $60,000 per accident/ $25,000 property damage

It would help if you spoke with your San Angelo agent to determine what limits of liability are best for your auto insurance. There are many options to choose from, and a trusted adviser is great to have in your corner.

Different Car Insurance Coverage in San Angelo, TX

There are other coverage options you can include in your auto policy. To know which is best for your specific situation is a good question for your independent agent. Let's look at additional coverage options:

  • Gap insurance: Gap insurance will pay for the difference between your car loan and its value if a total loss occurs.
  • Towing insurance: Towing insurance will pay for a tow of a covered auto.
  • Rental car insurance: Rental car insurance will pay for a rental car in the event of a covered loss. 
  • Collision insurance: When a crash with another vehicle or property occurs, collision insurance will help pay for the loss. 
  • Comprehensive insurance: When an unavoidable object or animal hits your car, comprehensive coverage will pay for the damage. 

With San Angelo being so big, it's a good idea to discuss additional coverage options with your independent agent. They can walk you through the common risks associated with your city. 

Uninsured and Underinsured Motorists in San Angelo, TX

Every driver has the risk of sharing the road with an uninsured person. If an accident occurs where the other driver has no insurance, there is optional coverage for that. Uninsured/underinsured motorists (UM/UIM) insurance can help pay for the other party's mistake. Let's take a look at the percentage of uninsured drivers:

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

With Texas being close to the national average in uninsured drivers, San Angelo will get a share. To safeguard yourself and your family, speak with your independent insurance agent about UM/UIM coverage. 

Vehicle Thefts in San Angelo, TX, and Your Car Insurance

If the crime rate is higher in an area, the insurance carriers will surcharge your insurance premiums to make up for the potential risk. The safer your city, the better your rates will be. 

Average Theft Rates:

  • National average: 2.37
  • Texas average: 2.48
  • San Angelo average: 2.56

San Angelo is higher than both the state and national averages for theft and that could impact your car insurance premiums. However, getting quotes from your agent is the only way to get exact pricing.

What Does San Angelo Auto Insurance Cost?

Car insurance premiums are different for everyone. Since coverage is individualized, your rates could be higher or lower than the driver's rates next door. Insurance companies use a few deciding factors when it comes to your car insurance pricing. The leading premium rating factors are below:

  • Location 
  • Crime rate
  • Credit score
  • Coverage selected
  • Deductible selected
  • Discounts and credits that apply
  • Age
  • Claims history
  • Motor vehicle records (MVR)
  • Number of vehicles and household drivers

To know for sure what your specific premiums will be, connect with your local agent. They can run car insurance quotes with several carriers to find something that fits your budget.

What if You Drive for Uber or Lyft in San Angelo?

The majority of personal auto policies exclude coverage for any livery service. With the demand for Uber, Lyft, and other livery services, this could be a significant exposure. Let's define what a livery for hire service is: 

Any person who operates a motor vehicle while getting compensated for delivering a package, food, or person to a location. This can include any rideshare or delivery service.

The best option for a livery for hire business is a commercial auto policy. It can provide the coverage you need for your side hustle or if you take it full time. Contact your local agent for more recommendations on coverage.

The Independent Insurance Agent in San Angelo, TX

There are many options when it comes to selecting the right car insurance. You can find coverage from a trusted adviser who has access to multiple carriers, saving you time. 

An independent insurance agent is the best option when shopping for auto insurance. They can do the comparison shopping for you. Go to TrustedChoice.com to find a local independent agent in minutes.

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TrustedChoice.com Article | Reviewed by Candace Jenkins

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