Waxahachie Insurance

Waxahachie Insurance
AUTO – TEXAS

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

Dairyland$69
National General$88
Bristol West$91
Geico$93
The General$95
Mendota Ins. Company$97
Progressive Insurance$98
Acceptance RTR$99
AssuranceAmerica$99

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 rates in Waxahachie averaged by best, to worst credit scores.

Credit Impact on Insurance rates in Waxahachie
Average Premium by Score
Rate
Excellent$120.99
Good$136.34
Average$164.15
Poor$232.17

Waxahachie Insurance- Discounts Available

Impact on ratesDiscounts Available
HighAuto Pay
HighAdvanced Quote
MildMulti Policy
HighNo Accidents or Violations
MildMarried
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!

AgeMaleFemale
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
The architecture of Waxahachie is stunning, you can almost take a bite out of the gingerbread style homes!

Insurance Rating factors and how they can impact your premiums in Waxahachie, Texas

FactorRate Impact
State RequirementsMedium
Vehicle Make and ModelMedium
How many drivers per vehicles listedmedium
vehicle performance (symbol)Medium
Claims HistoryMedium
AgeHigh
anti theft deviceLow
vehicle safety featuresMedium
Marital StatusMedium
EducationLow
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.

Violations and how long they affect your car insurance rates in Waxahachie, Texas

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*
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Last Updated on February 16, 2022 by Marlon Moss