 |
| Car insurance |
Car Insurance price list The car insurance rate is expected to increase 2022 by about 0.6% this year 2021, according to a recent study by Value Penguin.
Credit: AP (AP / LM Otero Image)
TEXAS, USA - More drivers across the country are likely to see an increase in the number of car insurance payers by 2022, according to a national insurance company.
For many Texans, however, this rise may not be as bad as it will be in other parts of the country.
Car insurance rates are expected to rise by about 0.6% this year, according to a recent Value Penguin study. These numbers are down to 2021.
The average cost of fully covered car insurance in the U.S. they are currently $ 1,935 a year.
While 22 regions will see an increase of 1% or more by 2022, Texas is one of 14 that will see a decline. In fact, Texas has the lowest second-rate car in the United States 2022 at $ 1,094, according to Value Penguin. Maine has the lowest price at $ 1,051 while Michigan has the highest price of $ 7,161.
However, when it comes to the cost of a traffic violation, a ticket or an accident, Texas has the largest percentage increase in the country from last year to this year in car insurance, Value Penguin said. That median increase in premium is 142%. North Carolina is second only 127%.
What factors contribute to car insurance levels?
There are many reasons why insurance prices vary from driver to driver no matter how many accidents and tickets one has received and someone's driving record.
The way people drive on the streets where you live, as well as the frequency of crashes can affect the premiums you may have, according to Rich Johnson. He is the communications director for The Texas Insurance Council.
"Is there an emergency in your area?" Johnson laid. "Looking to the future we say, 'Ok, in this area, there are a lot of people speeding. There are a lot of people who get into accidents. The frequency and intensity are increasing.' All of those factors go into the details of car insurance. "
Certain parts of the country have a higher risk of adverse weather conditions that could cause serious damage to vehicles. This may also prompt insurance companies to adjust their prices depending on where you live or work.
"We like to look at insurance as a team game," explained Johnson. "It records the danger. Not just individual danger but what happened in the area."
What makes car insurance in Texas different?
According to Texas law, every driver in the state is required to have proof of motor vehicle insurance.
Texas also has a “Consumer Rights Bill” of motor insurance that defines the rights of both drivers and companies.
There are eight many types of car insurance:
1. Credit coverage
2. The spread of collisions
3. Complete installation
4. Installation of medical bills
5. Personal injury protection
6. Installation of an unlicensed / uninsured driver
7. Drawing and mobilizing staff
8. Submission of rental compensation
Because of the size of Texas and the range of weather conditions that can affect different parts of the country, there are very few places in the U.S. with the need for such a variety of inclusions, according to Johnson.
"Looking at Texas, we have hurricanes, floods, hailstorms and hurricanes," said Johnson. "It is a kind of natural disaster compared to other parts of the world that may have only winter storms or certain types of storms."
How to save money in car insurance
One of the best ways to save money when it comes to your car insurance is to look at other potential offers when your current plan is about to expire, says Johnson.
"The biggest thing is to buy here," Johnson said. "Even if you do not buy a new car, if it is a new year, it is a good time to check your insurance and make sure you know what is inside it. Keep contacting your insurer or other insurance companies, see if you can get a better rate."
Johnson said how many cars you have and the amount of your care should influence your decision making. If you have an old car or do not plan to own it for a long time, full coverage may not be necessary.
The website helpinsure.com also compares policies especially in Texas, which includes the top 25 insurance groups. It can provide policies for sale in your area, company prices and different types of cover.
Johnson said other ways to save money on your car insurance include:
. slow driving a year
. interaction discounts
. college student organization discounts
. to take a defensive driving court
. to provide report cards for children with good marks
Johnson said it is up to customers to stand up and see if insurance companies will offer discounts or deals based on specific links or reports.
0 Comments