Obtaining Car Insurance in Plano

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jun 26, 2017

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Here's what you need to know...

  • Plano residents must abide by Texas car insurance laws
  • Auto insurance in Plano is more costly than the national average
  • Plano car insurance runs on the tort system

In Plano, the law requires that you must carry a certain minimum amount of liability car insurance for each car that you own.

Plano has been awarded several distinctions as being one of the best places to live in America.

However, the average premiums for car insurance in Plano are double the national average.

Read on to get inside tips to learn everything that you need to know about the requirements for Plano city car insurance and how to get the best car insurance rates.

Try our ZIP code search to compare FREE quotes above!

More About Plano

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Plano, Texas is in an excellent location within the area commonly called the Dallas-Fort Worth metroplex. According to the 2010 Census, Plano’s population is 259,841. Plano is the ninth largest city in Texas.

Plano has been awarded several distinctions as a great place to live including the following:

  • Best Places to Live – CNN Money Magazine has twice designated Plano as one of the best places to live in the United States
  • High-Scoring Schools – Plano area schools consistently score among the highest in the nation
  • Best Suburbs for Retirements – Forbes chose Plano as one of the best places to retire

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Plano Minimum Car Insurance

The following are the minimum liability coverage amounts required by Texas law:

  • Medical Liability Coverage – $30,000 for bodily injury or a fatality to one person per accident and $60,000 for bodily injuries or fatalities to two or more people per accident
  • Property Damage Liability Coverage – $25,000 for property damage or destruction in an accident

It is required by Texas law to carry proof of car insurance in your vehicle at all times. Texas police officers have a program in their vehicles that allows them to verify whether or not a person has car insurance immediately.

If you are caught driving without liability insurance you can face the following penalties:

  • You could have to pay up to a $1,000 in fines
  • The Texas Department of Transportation will suspend your driver’s license if you have two offenses on your driving record of driving without liability car insurance
  • The Texas Department of Transportation will charge a surcharge of $250 that must be paid for 3 consecutive years to maintain your driver’s license regardless of the number of offenses you have on your record
  • The police have the right to tow your car to an impound yard if you are caught driving without insurance.

Plano Tort Car Insurance System

The state of Texas is a no fault (also called tort) state which means that if you are involved in a car accident then someone must be found to be at-fault for the accident.

The person that will be responsible for damages is the person deemed to be at-fault. The insurance company for the person who is at-fault typically pays for the damages.

If the accident causes more damages than you are covered for by your insurance policy, then you will be responsible for paying for the damages.

This is why many car insurance companies will recommend that you carry higher coverage than the liability minimums to protect your assets in case of an accident.

The state of Texas does not require people to get uninsured/underinsured motorist coverage.

However, many insurance companies in Plano will recommend that drivers consider protecting themselves with underinsured motorist insurance.

Plano Auto Insurance Rates

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It is legal in Texas for insurance companies to use personal credit history to determine insurance rates.

The better your credit history is, the better your insurance premiums should be.

Your driving record, where you live in Plano, gender, age, how much you drive, and your car make and model will all factor into your car insurance rates.

One strategy many people use to lower their car insurance premiums by as much as 4o percent is to raise their deductibles. If you raise your deductible, then you will also be assuming more risk on your Plano car insurance.

Most deductibles are $500. If you are in an at-fault accident that causes $2,000 in property damage, then you would be responsible for paying $500 and your insurance company would be responsible for paying $1,500.

If you raise your deductible to $1,500 more than in the previous case, you would be responsible for paying $1,500 and your insurance company would be responsible for paying $500.

Raising your deductible raises your risk. However, you are covered by any losses over the amount that you decide to set your deductible for. This can be a great way to save a large percentage of money on your insurance premium.

Rental cars also must have liability coverage in the state of Texas. You can ask your insurance provider to add rental car coverage to your car insurance policy if you need it.

In addition, many credit card companies provide liability coverage for rental cars. You can also purchase rental car insurance for an extra $7 to $14 a day from the car rental company you rent from.

Save On Plano Car Insurance Rates

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Comparing quotes online is one of the easiest and most effective strategies to use when you are looking to save money on car insurance rates.

Getting car insurance comparison quotes with our FREE ZIP code search allows you to research which auto insurance companies are offering the best rates and deals on car insurance in Plano, Texas!

If you live in Plano, Texas there is an excellent chance that you are paying too much for car insurance.

Take some time and comparison shop with our FREE quote comparison tool for a better premium on car insurance!

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