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Fort Worth: Car Insurance in Texas

Fort Worth is one of the busiest metropolitan areas of Texas and is known for its heavy traffic flow throughout the day. To secure yourself, as well as others on Fort Worth roads, you need to get the minimum mandatory car insurance in Texas. You must buy a suitable policy from state approved car insurance firm.

Fort Worth, the ‘Cow Town’ of Texas has a population of 741,206 (as per the 2010 census). For the average person who lives and is employed in the area, the average commute time is about 25 minutes. With so much traffic on the road and all sorts of drivers behind the wheels, accidents are bound to happen.

Fort Worth car crash statistics

The Texas Department of Transportation released its annual Motor Vehicle Crash Statistics for the calendar year 2010, in September 2011. These statistics highlighted the crash numbers for Tarrant County, the City of Fort Worth and surrounding areas. This is why it is so important to have the right amount of car insurance in Texas.

The entire report contains only the data obtained from Texas Peace Officer’s Crash Reports and the incidents that went unreported are not included in calculating the final 2010 crash statistics. The City of Fort Worth reported 9,639 total car accidents. In these incidents there were 1,758 serious injuries and 68 fatalities reported. These figures give you an idea the huge risks you take every day you go out on the roads. That is why it is mandatory for all vehicle owners to have car insurance in Texas. This is essential to protect everyone on the city roads.

Car insurance in Texas minimum requirements

The state of Texas is a Tort state. This means that in the event of a crash, one party is considered responsible for causing it. They have to pay for the bodily injuries and property damage occurring in the accident. Every driver has to be responsible for any physical or property damage he is likely to cause. That is why you need to acquire up at least the minimum state car insurance liability policy. This minimum liability coverage is called the 30/60/25. These figures can be expanded as:

• $30,000 for bodily injury coverage for one person in a single accident

• $60,000 for bodily injury coverage of all injured/dead in an accident

• $25,000 for property damage coverage per accident

The coverage amounts listed above are the minimum requirements for car insurance in Texas. The maximum can be any amount you see fit or can afford. By choosing a policy offering just the state minimums, you are leaving yourself open to loss. These amounts are too little to cover you adequately in the case of a serious car accident considered to be your fault. You must explore all the insurance coverage options feasible and study the various add-on insurance options too. To deal with the high costs of medical treatments and car repair, it always makes sense to choose a safe amount of policy coverage.

Most residents in Fort Worth want insurance coverage as per their needs but are unable to find affordable premium options for the same. You can get a discount in your premium from your car insurance company under certain conditions.

Car insurance discounts matter

If you are a clean driver with no claims in the past 3 or more years, or you are with the military, or are B or higher grade student, or have union membership and bank member affiliations, or have attained a state driving school program, then you can ask for a discount form insurance providers in Fort Worth. Keep all these pointers in mind when you are looking for the best suited car insurance in Texas – in particular Fort Worth.