Types of Auto Insurance Policies in Arlington, TX

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If you live in Arlington and have a car, then you need auto insurance. The city of Arlington falls within the DallasFort Worth metropolitan area and is the 7th largest city in the state of Texas. Being a metropolis, the city sees heavy traffic, with accidents and crashes being an everyday occurrence. You need to protect yourself and your property, as well as fulfill your financial responsibility required by the state before you take your vehicle out on the road. It is important, as well as mandatory for you, to get auto insurance in Texas.

To give you an idea of the risk of being in a car accident, its best to look at the statistics. In September 2021, the Texas Department of Transportation made its yearly Motor Vehicle Crash Statistics for the year 2020, public. The report contained detailed results for Tarrant County, the City of Fort Worth and adjacent areas.

According to the information obtained from the Texas Peace Officer’s Crash Reports, in the year 2020 the city of Arlington saw a total of 5,146 crashes. Of these the serious accidents were recorded to be a total of 1,625. And there were a total of 21 fatalities in these crashes.

These figures are the numbers for a single year- 2020 only. If one looks at an average of the Arlington annual vehicle accident statistics and fatality rates, then this is what the chart looks like:

  • Annual average number of fatal accidents: 32
  • Annual average number of motor vehicles caught in deadly accidents: 47
  • Annual average number of drunken driving fatalities: 14

These numbers are a living proof that you need to be protected on the road. If you are venturing into the car insurance market for the first time, here are the various types of auto insurance policies available in the state of Texas:

Liability Coverage

The state of Texas has made it mandatory for vehicle owners to have a minimum liability policy. This coverage helps lower the cost of your auto insurance, provided you don’t have an unpaid loan on your vehicle. If you own your car free and clear, then you have the option to put only a liability policy on your vehicle. This will lower your auto insurance premium costs.

Liability coverage has two parts: property damage liability and bodily injury liability. The state of Texas is a Tort state and this coverage will pay for the injuries and damages caused in an accident thought to be your fault. Keep in mind that this coverage does not cover any physical damage done to your vehicle.

Collision Coverage Insurance

This type of insurance protects your vehicle if someone causes damage to it. Ensure that this coverage covers the total replacement value of your car in event of a crash.

Comprehensive Insurance

This type of policy covers all damage that may occur in an accident. With this policy you will be covered regardless of the type of automobile accident that may occur.

These are the broad coverage options available to you. Look for the best quotes you can get when you plan to buy auto insurance. Arlington has many insurers and the best place to look for them and compare quotes is the internet.

SR22Texas.org offers a free auto insurance comparison portal, where you can compare up to eight insurance carrier quotes. Many people save up to 50% on their auto insurance using the comparison tool. The insurance carriers serve all of Texas including Arlington. Auto insurance quotes from all leading insurers are available on the site.

CALL US NOW (Mon-Fri, 8am – 5pm PST) Call Us for a Free Quote of your Texas Auto Insurancefor a FREE QUOTE or fill out this form:

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