What is 30 60 25 insurance in Texas?

The numbers 30 60 25 insurance in Texas correlate to the State minimum requirement for Liability Insurance. To break down the numbers, 30 will stand for $30,000 in coverage for Bodily Injury for one person, 60 stands for $60,000 in coverage for Bodily Injury per accident, and 25 will stand for $25,000 for Property Damage within the accident. Although this is the States minimum, it is always encouraged to increase those limits due to coverage not being enough within an accident.

Liability insurance will only pay for the injuries of the other party if you were found at fault, but only up to the limits you have set on your policy, anything that exceeds those limits will need to be paid out of pocket.

With poor credit, your auto insurance rates can tend to be a bit higher. Here are some example rates of some companies with customers that have poor credit for Little Elm Insurance.

Little Elm Insurance Carrier	Average Cost
National General	$152
21st Century	$158
The General	$159
GAINSCO	$160
Progressive Insurance	$164
Nationwide	$165
Geico	$167
Assurance America	$169
Dairyland	$172
Bristol West	$173

Did you know that bundling your auto policy with your home or renters can save you quite a bit on Little Elm Insurance? Check out some example rates below.

Little Elm Insurance Carrier	Average Cost
National General	$131
Nationwide	$132
Dairyland	$134
The General	$134
GAINSCO	$135
Acceptance RTR	$143
Bristol West	$144
21st Century	$145
Assurance America	$149
Geico	$155
Progressive Insurance	$156

Having a clean driving history, really plays a huge rule in having great auto insurance rates. Check out some rates below for Little Elm Insurance.

Little Elm Insurance Carrier	Average Cost
Dairyland	$128
21st Century	$129
Bristol West	$131
The General	$135
Mendota Ins. Company	$139
Progressive Insurance	$142
Nationwide	$143
GAINSCO	$145
Geico	$147
Acceptance RTR	$155

If you’re looking for non-owner car insurance in Little Elm, Texas, you’re taking a proactive step towards being insured when you don’t own a vehicle but still drive occasionally. Non-owner car insurance is designed for individuals who do not own a vehicle but may need to maintain insurance coverage for various reasons, including keeping a continuous coverage history or needing to file an SR-22 for license reinstatement. Here are some steps and tips for finding non-owner car insurance in Little Elm, Texas:

Understand Non-Owner Insurance

• Purpose: It provides liability coverage for bodily injury and property damage caused by the policyholder while driving a vehicle they do not own.
• Limitations: It generally does not cover physical damage to the vehicle you’re driving (this would be the vehicle owner’s responsibility).

Why You Might Need It

• Frequent Rental: You frequently rent cars.
• Borrowing Cars: You regularly borrow cars from friends or family.
• SR-22 Requirements: You need to file an SR-22 but do not own a vehicle.

Violation Name	Major, Minor, or Non Moving	How Long it Will Affect Your Insurance Rates
Failure to Use Turn Signal	Minor	3 Years
Failure to Yeld	Minor	3 Years
Failure to Stop for a Pedestrian Side walk	Minor	3 Years
Driving without a License	Major	3 Years
No Proof of insurance	Non Moving	NA*
At Fault Accident	Major	5 Years
Reckless Driving	Major	5 Years
Running a Traffic Light or Stop Sign	Minor	3 Years
Speeding	Minor	3 Years
DUI	Major	10 Years
Parking	Non Moving	NA*
Using a Cell Phone with Driving	Minor	3 Years

Finding Non-Owner Insurance in Little Elm, Texas

1. Local Insurance Agents: Start by contacting local insurance agents in Little Elm or nearby areas. They can provide personalized advice and help you find a policy that fits your needs.
2. Texas Insurance Providers: Reach out to insurance providers in Texas that offer non-owner policies. Many major insurance companies offer this type of coverage.
3. Online Quotes: Utilize online quote comparison tools specifically for Texas or nationwide to compare non-owner car insurance policies from different companies.
4. SR-22 Filings: If you need the insurance for SR-22 filing, ensure the insurer is aware and offers this service, as not all companies file SR-22 forms.
5. Read Reviews: Look for customer reviews or ratings of the insurance providers to gauge their customer service and claims handling.
6. Understand the Coverage: Ensure you fully understand what the policy covers and any limitations or exclusions. Non-owner insurance typically includes liability coverage but may offer options for additional coverage.

CARRIER	MONTHLY RATE
Dairyland	$94
Progressive Insurance	$96
Mendota Ins. Company	$98
Acceptance RTR	$100
21st Century	$107
The General	$108
AssuranceAmerica	$109
National General	$110
American Family	$112
Bristol West	$112

Tips

• Coverage Limits: Consider higher liability coverage limits for better protection, especially if you drive frequently.
• Discounts: Ask about any discounts for which you may be eligible, such as for having a clean driving record.
• Customer Service: Choose a company known for good customer service and claims handling for a smoother experience if you need to file a claim.

Remember, the cost and availability of non-owner car insurance can vary based on your driving history, how often you plan to drive, and other factors.

Impact on rates	Discounts Available
Mild	Married
Mild	Paperless Discount
Mild	Military
High	Auto Pay
Mild	Homeowners
Mild	Multi Policy
High	Paid in Full
High	Advanced Quote
High	No Accidents or Violations

Are you a safe driver in Little Elm with a good driving record? The savings is tremendous. Here’s a little known fact!

FACT: Having a good credit score can affect your insurance rates in a great way! See some customers rates with good credit!

Little Elm Insurance Carrier	Average Cost
Nationwide	$138
The General	$145
Assurance America	$147
Mendota Ins. Company	$150
21st Century	$152
Acceptance RTR	$154
Dairyland	$157
Farmers	$159
GAINSCO	$159
Progressive Insurance	$160

DUI’s and accidents can stay affecting your auto insurance for up to 5 years or more. Below, are some examples of what customers pay with that on their record for Little Elm Insurance.

Little Elm InsuranceCarrier	Average Cost
Dairyland	$147
21st Century	$153
Assurance America	$156
Mendota Ins. Company	$162
Bristol West	$163
The General	$167
Acceptance RTR	$170
Geico	$175
GAINSCO	$177
Nationwide	$183

Liability is required to have in every state. We have some example liability rates below with some companies in Little Elm, TX.

Little Elm Insurance Carrier	Average Cost
The General	$86
Dairyland	$91
Progressive Insurance	$95
Acceptance RTR	$105
National General	$105
21st Century	$108
Mendota Ins. Company	$110
Nationwide	$114
Allstate	$116
Liberty Mutual	$118

Female drivers typically save on their rates in comparison to male drivers in Little Elm Insurance. The stats do not lie! We have some example rates below with some insurance companies.

Little Elm Insurance Carrier	Average Cost
National General	$128
Nationwide	$129
Bristol West	$132
Assurance America	$136
GAINSCO	$137
Progressive Insurance	$141
The General	$141
21st Century	$148
Acceptance RTR	$148
Geico	$150

Additional Helpful Links

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Best Home and Auto Insurance Policies for New Homeowners

• Progressive Home and Auto Insurance Bundle
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Last Updated on October 24, 2024 by Marlon Moss