Car Insurance Quotes Plano
Car Insurance Quotes Plano
Recieving multiple car insurance quote gives you the edge to make the right decision on the kind of coverage to going for. Texas law requires all drivers to maintain a minimum level of car insurance coverage. This mandatory coverage is designed to ensure that drivers can financially cover damages and injuries they may cause in an accident. The minimum liability coverage requirements in Texas, often referred to as “30/60/25” coverage, include $30,000 of bodily injury coverage per person, up to $60,000 per accident, and $25,000 of property damage coverage per accident. This means that your insurance policy will cover up to $30,000 for injuries to any single individual you injure in an accident, with a maximum of $60,000 for total injuries per accident and up to $25,000 for damage to another person’s property. Meeting these requirements gives some financial protection, but it may not be enough to cover all costs in a serious accident.
it is advisable to consider higher coverage limits to protect your assets. If an accident results in damages exceeding your coverage limits, you may be held responsible for the remaining expenses. Opting for higher liability limits up to $100,000 for medical bills of those you injure, up to $300,000 for bodily injury liability per accident, and up to $100,000 for repairing other drivers’ cars and property that you damage.
drivers may consider add-ons like collision, comprehensive, and personal injury protection for broader protection. Collision coverage helps pay for damages to your car if you’re in an accident with another vehicle or object. Comprehensive coverage covers damages to your car from incidents other than collisions, such as theft, vandalism, or weather events. PIP can help pay for medical bills, lost wages, and other related expenses after a car accident, regardless of who is at fault.
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Car Insurance Requirements in Plano
All Plano residents who possess a vehicle are legally required to have auto insurance, and drivers are required to maintain a minimum level of coverage. Liability insurance for drivers must have coverage limits of at least 30/60/25.
Because Plano is a fault state, the at-fault driver’s insurance compensates the other party for their bodily injury and property damage losses.
The minimum insurance needed to drive legally in Texas is as follows:
Coverage Minimum Requirements
Bodily injury liability……………..$30,000 per person / $60,000 per accident
Property damage liability……….$25,000 per accident
Low-Cost Car Insurance Rates by Age in Plano
Your age is one element that Plano drivers take into account when calculating your premium. A driver’s discount may be available to certain adult Plano drivers with a clean driving record, beginning at age 55. To be eligible for this discount, you might need to complete a driving safety course.
An estimate of what drivers pay at different ages is as follows:
Age Full Coverage Insurance Liability Insurance Coverage
Teenagers……….$506………………………………………$141
20s…………………$176……………………………………….$43
30s…………………$146……………………………………….$34
40s…………………$140………………………………………$34
50s…………………$128……………………………………….$32
60s…………………$135……………………………………….$36
70s…………………$161……………………………………….$47
Plano car insurance rates by credit score
While several states have decided not to use credit scores as a factor in rating policies, Plano continues to incorporate this numeric value when assessing policies. Those with lower credit scores tend to engage in riskier driving behaviors and file claims more frequently. Insurance companies view a lower credit score as an increased risk to insure.
Company Avg. 6 Mo. Premium
Redpoint County Mutual………..$597
GEICO………………………………….$1,081
Nationwide…………………………..$1,235
Germania Mutual Group……….$1,346
State Farm……………………………$1,684
USAA…………………………………..$1,716
Progressive…………………………..$2,134
Independent Insurance Companies Near Plano
At Plano, there are insurance agents to assist you with car insurance.
Kingdom Commercial Insurance Agen Ll
- (219) 919-3624
- 9925 Gillespie Dr
- #1100
- Plano, TX 75025
Alloy Insurance Partners LLC
- (800) 527-2209
- 5600 Tennyson Pkwy
- Ste 190
- Plano, TX 75024
Alpha Omega Insurance Agency
- Open Until 5:00 PM
- (214) 206-1414
- 4120 W Spring Creek Pkwy
- Ste B 518
- Plano, TX 75024
Alpha Omega Insurance Agency
- Open Until 6:00 PM
- (214) 206-1414
- 2600 K Ave
- Ste 259
- Plano, TX 75074
Assured Partners of Texas LLC
- (972) 644-2688
- 500 N Central Expy
- Ste 550
- Plano, TX 75074
Why is car Insurance in Plano so Expensive?
The cost of car insurance in Plano is slightly higher than the national average, but it is relatively comparable to the average rate in the state of Texas. This is because Plano is a nearby suburb of Dallas, one of the most populated and urbanized cities in the state. Because Plano has a lot of weather occurrences, auto insurance rates there are often higher.
Regardless of a person’s driving history, location-specific elements and rating factors have a considerable impact on the higher cost of auto insurance in Plano.
- Location
Compared to drivers in safer areas, drivers who live in high-crime zones pay higher premiums. Below are the Plano ZIP codes with the highest and lowest auto insurance rates.
Expensive Plano ZIP codes: 75075, 75094, 75093
Cheap Plano ZIP codes: 75023, 75024, 75025
- Weather
Texas experiences a variety of natural disasters throughout the state. Hurricanes and hail events are most prominent, with Texas ranking as the number one state in the country for the number of hail events. Hail causes significant damage to vehicles, forcing insurance companies to drive up premiums to cover the cost of claims.
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