Waxahachie Insurance

START HERE: In beautiful State of Texas, you must have at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. In other words: 30/60/25

In the search for the best insurance rate many start with Liability Only Policies! This isn’t as limited as you might think. This form of insurance is not only cheaper than most, but also still covers damages you may cause to others; bodily or property. Allowing you and your fellow drivers to travel with peace of mind.

Here are the Top Companies with the best rate for Liability Only

National General$88
Bristol West$91
The General$95
Mendota Ins. Company$97
Progressive Insurance$98
Acceptance RTR$99
Waxahachie Insurance

Waxahachie Insurance- Does Credit Affect your Insurance premium?

Like most things in life credit does affect your car insurance rates. See the table below for Waxahachie Insurance rates averaged by best, to worst credit scores.

Credit Impact on Insurance rates in Waxahachie
Average Premium by Score

Waxahachie Insurance- Discounts Available

Impact on ratesDiscounts Available
HighAuto Pay
HighAdvanced Quote
MildMulti Policy
HighNo Accidents or Violations
MildPaperless Discount
HighPaid in Full
MildEducation Discount
Very HighContinuous Insurance
Based on your insurance history, marital status, education background you could be eligible for several discounts on your auto insurance policy. See the information above for other possible discounts!

Do age and gender matter when it comes to your car insurance rates?

Statically, women do pay less than men on their car insurance premiums. Age also is a large factor in making up your insurance rates, drivers over the age of 25 should see lower rates!

16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08
Waxahachie Insurance
Waxahachie Insurance
The architecture of Waxahachie is stunning, you can almost take a bite out of the gingerbread style homes!

Waxahachie Insurance Rating factors

FactorRate Impact
State RequirementsMedium
Vehicle Make and ModelMedium
How many drivers per vehicles listedmedium
vehicle performance (symbol)Medium
Claims HistoryMedium
anti theft deviceLow
vehicle safety featuresMedium
Marital StatusMedium
Many different factors go into making up your car insurance premiums. Some of these factors are listed below with a degree in how much they impact your rate individually.

Waxahachie Insurance Violations and how they impact your Premium

Violations can follow us around so to speak for quite a long period of time. Accidents do affect our driving records longer than others, see the table below for more information.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Failure to maintain Clear Distance (tailgatingMinor3 Years
Failure to YeldMinor3 Years
DUIMajor10 Years
Using a Cell Phone with DrivingMinor3 Years
Expired TagsNon MovingNA*
No Proof of insuranceNon MovingNA*
Reckless DrivingMajor5 Years
Driving without a LicenseMajor3 Years
Failure to Use Turn SignalMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
ParkingNon MovingNA*
Waxahachie Insurance

What types of insurance do you offer in Waxahachie?

We offer various insurance options in Waxahachie, including but not limited to home insurance, auto insurance, life insurance, and business insurance.

How can I request a quote for insurance in Waxahachie?

To request a quote for insurance in Waxahachie, you can fill out our online form on our website or call our office directly to speak with an agent who will assist you in obtaining a personalized quote.

Need assistance with insurance in Waxahachie?

Feel free to call us at 1.888.445.2793 for assistance with insurance in Waxahachie. Our team is here to help you with your insurance needs.

What is the best insurance to have in Texas?

The best insurance to have in Texas depends on your individual needs. However, for vehicle insurance, considering Texas’s weather conditions and traffic, full coverage insurance is highly recommended. It provides comprehensive protection beyond the basic liability insurance, covering damages to your vehicle and others in most scenarios.

Which insurance is the cheapest?

The cheapest insurance option typically is liability only insurance, which covers damages to other vehicles and property if you’re at fault in an accident. However, rates can vary based on factors like your driving history, vehicle type, and the state you live in. It’s best to get a personalized insurance quote to find the most affordable option for your needs.

How long does an insurance company have to investigate a claim in Texas?

In Texas, an insurance company typically has up to 15 days to acknowledge a claim after it is filed. They then have up to 15 additional days to approve or deny the claim, though this can be extended if more time is needed. However, the total investigation time should not exceed 45 days from the date of the claim notification.

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Last Updated on by Amanda Moss

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