Car insurance in Garland costs an average of $649 for a minimum coverage policy and $2,047 for full coverage per year. These rates are higher than the national average for full coverage, which is $1,674 per year. While rates in Garland are higher, it is still possible to find cheap car insurance if you are willing to shop around.
We investigated several carriers, both national and local to Garland, and discovered that USAA, Geico, Nationwide, Mercury, and Allstate provided the most competitive average rates. Another advantage of these carriers is that they all have at least an A rating with AM Best, indicating financial strength in addition to lower rates.
Insurance requirements for Garland
Texas requires drivers to have insurance that includes a minimum of 30/60/25 in liability coverage, which is outlined as follows:
$30,000 per person for bodily injury liability
$60,000 per accident for bodily injury liability
Property damage liability is limited to $25,000 per accident.
However, carrying only the bare minimum of liability insurance may expose you to additional financial risk, particularly if you are involved in an at-fault accident. Consider adding options for a more robust policy to help reduce your financial risk. Collision and comprehensive coverage, for example, provide coverage if your vehicle is damaged in an accident or by something beyond your control (such as hail). Uninsured motorist coverage pays for medical bills and lost wages if you are in an accident with someone who does not have auto insurance and it is determined that they were at fault.
Garland car insurance discounts
Garland drivers can save money in a variety of ways. Taking advantage of as many discounts as possible is one of the most effective strategies for lowering premiums. Look for deals such as:
Claims-free: One way to save money on premiums is to keep your record clean and not file any claims.
Paid-in-full: Another way to save is to pay your annual or semi-annual premiums all at once rather than in monthly or quarterly instalments. You not only save money, but you also avoid having to worry about a lapse in coverage throughout the year.
Safe driver: Most carriers provide a safe driver programme in which your driving habits are tracked using an app or telematics device. Based on your feedback, your good safety habits may qualify you for additional savings.
Multi-policy: You should receive a significant discount if you purchase your auto insurance policy from the same carrier as your homeowners or renters policy.
Discounts are an excellent way to save, but there are other strategies to try too. For example, if you have comprehensive and collision coverage, you can raise your deductible. The higher your deductible — and thus your out-of-pocket expenses — the lower your premiums.
Tags:
spicy ins