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 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 |
Insurance Rating factors and how they can impact your premiums in Waxahachie, Texas
| 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 |
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 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* |
Last Updated on by Shawn Christie