Auto Insurance in Plano, TX
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Protect Your Vehicle When You're on the Road in Plano
With an area of about 72 square miles, seeing everything Plano has to offer practically requires a car. Whether you're from out of town and taking in tourist sites like Arbor Hills Nature Preserve or you're a local who just wants to enjoy brunch in historic downtown Plano, you need to protect yourself as you drive around town. The proper car insurance in Plano, TX, is essential for safety and your own peace of mind.
Accident Statistics in Plano
Drivers in Plano are in thousands of accidents annually. Since 2017, the city has seen roughly 4,000 crashes each year. Overall, there are more auto accidents when the economy is in an upswing or gas prices are low. This is because it becomes more affordable to drive and to spend more time outside of the house or work.
Even if you only drive to work and back to your house, it is important to protect yourself when you're on the road. After all, even if you are an attentive driver, it doesn't mean everybody else is. Whether you or somebody else is at fault during an auto crash, you need proper car insurance in Plano, TX.
Required Auto Insurance in Texas
Drivers must carry car insurance in Plano, TX. At a minimum, drivers must be able to pay for the damage related to any accidents they cause. A state minimum liability policy includes coverage of up to $30,000 per person, $25,000 for property, or a total of $60,000 per accident. However, the cost of accidents that cause bodily injury is often much higher. For this reason, it is important to consider a policy with more coverage, as well as additional types of auto insurance.
Other Auto Insurance Products To Consider
Basic liability car insurance in Plano, TX, is called a 30/60/25 plan. However, most experts agree you should have comprehensive coverage that equals 100/300/100. Keep in mind that a lack of enough liability insurance could leave you paying for damages out of pocket.
In addition to a comprehensive liability policy, there are several other types of coverage to consider.
- Collision Coverage — This repairs or replaces your own car if you have an accident.
- Comprehensive Coverage — Comprehensive insurance pays for your car if something other than a collision causes damage, such as a fire or vandalism. This also protects you if someone steals your car.
- Medical Payments — A medical payment policy pays for medical bills for you and your passengers. It also works if you're a passenger in someone else's car, or if a car hits you while you're walking or biking.
- Personal Injury Protection — PIP coverage is a beefed-up version of medical payments coverage. It covers nonmedical costs related to the accident, such as someone's lost wages.
- Rental Reimbursement Coverage — This coverage helps if you need to rent a car while yours is being repaired. Some of these policies also reimburse you if you use taxis or services like Uber or Lyft.
- Towing and Labor Coverage — This policy is handy for the little things. In addition to paying for your tow if your car isn't drivable, it covers charges related to having your car jump started or a flat tire changed.
- Uninsured/Underinsured Motorist Policy — Despite the law in Texas, some people still drive without insurance. If you're hit by someone uninsured, this policy covers medical and repair bills.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Auto insurance in Texas by city
Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.
- Cedar Park
- College Station
- El Paso
- Flower Mound
- Fort Worth
- Grand Prairie
- New Braunfels
- North Richland Hills
- Round Rock
- San Angelo
- San Antonio
- San Marcos
- Sugar Land
- The Woodlands