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 Waxahachie Insurance rates 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 rates | Discounts Available |
| High | Auto Pay |
| High | Advanced Quote |
| Mild | Multi Policy |
| High | No Accidents or Violations |
| Mild | Married |
| Mild | Paperless Discount |
| High | Paid in Full |
| Mild | Education Discount |
| Very High | Continuous Insurance |
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!
| Age | Male | Female |
| 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 Rating factors
| Factor | Rate Impact |
| State Requirements | Medium |
| Vehicle Make and Model | Medium |
| How many drivers per vehicles listed | medium |
| vehicle performance (symbol) | Medium |
| Claims History | Medium |
| Age | High |
| anti theft device | Low |
| vehicle safety features | Medium |
| Marital Status | Medium |
| Education | Low |
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 Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Failure to Yeld | Minor | 3 Years |
| DUI | Major | 10 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| No Proof of insurance | Non Moving | NA* |
| Reckless Driving | Major | 5 Years |
| Driving without a License | Major | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Parking | Non Moving | NA* |
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.
Last Updated on by Marlon Moss