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Midland Auto Insurance

Looking for the best auto insurance policy in Midland, Texas? Before searching for coverage you should think about what your needs are, the state minimums, and understand other available options. As with all cities in Texas, the motor vehicle department sets the minimum requirements and regulates financial responsibility laws. Understanding the laws, requirements, and statistics for the city of Midland can help you make the right decision when you choosing the best auto insurance policy for you.

The Need for Auto Insurance in Midland, TX

Aside from carrying auto insurance to comply with state laws, statistics show that all drivers on the road are bound to be involved in an accident at some point in their life. According to the Texas Department of Transportation’s latest data, there were 57,919 serious injury crashes in the state in 2011 with almost 79,573 people sustaining injuries. The data also shows there were one or more deaths everyday on Texas roadways the same year.

In the city of Midland specifically, 14 fatal accidents were reported among a population of about 111,000. With an average of 15 fatal accidents per 100,000 residents, Midland has a higher fatal accident rate than the average rate in Texas. Most accidents reported in Midland occur between the hours of 4 pm and 6 pm when commuters are driving home from work on congested roadways. This data emphasizes the importance of getting premium car insurance coverage that will help you protect yourself, your vehicle, and other people on the road.

Now that you know the statistics, you have a choice to make. You can change your driving patterns and be a more vigilant driver, but you must protect yourself further. The best way to do this is to purchase car insurance. By doing so, you are complying with the law and giving yourself peace of mind that will help you become more confident and careful on the roadways.

Texas Auto Insurance Requirements

Auto insurance laws are set and regulated by the state. All drivers in Texas are required to carry a minimum amount of coverage while operating a motor vehicle on public roads. When you are requesting quotes, you will commonly see the state requirements written as follows: Liability 30/60/25. If you have no experience with insurance, this may be very confusing to translate. In terms of insurance, 30/60/25 translates to a minimum of $30,000 in Bodily Injury coverage for a single person, a minimum of $60,000 in Bodily Injury coverage for a single accident, and a minimum of $25,000 in Property Damage coverage for a single accident.

Liability insurance is designed to cover the cost for injuries and damage that result from an accident that is deemed your fault. The payment will only be made to a third-party and not to you or any of your passengers. If you do not have enough liability coverage and you cause more injuries or damage, the victim will have the right to file a lawsuit against you. This is why selecting adequate limits of car insurance is so important when you want to protect your financial assets.

Determining How Much Auto Insurance You Need

While carrying the state minimums will satisfy the law, having minimal insurance limits will leave you at risk. In fact, the Texas Department of Insurance recommends that all drivers carry higher limits if they can afford to do so. Most insurance experts recommend that drivers in Midland carry no less than 100,000/300,000/100,000 in liability coverage.

You should also consider purchasing optional comprehensive and collision coverage to fully protect your vehicle against collisions and other damage. Comprehensive coverage is designed to pay for damage done to your car because of theft, fire, acts of nature or vandalism. Collision will pay for damage if you are involved in an accident where you are deemed at-fault. You will need to consider the value of the vehicle, how much coverage costs, and how much you will have to pay out-of-pocket for your deductible. If you have an older vehicle, carrying physical damage coverage may not be worth the investment. Though if you have leased or financed vehicle, lenders and lessors will require you to carry full coverage.

If you are not sure how much coverage you need, there are free tools available online that can help you come up with a reasonable limit. A free quote tool, like the one on this page, will help you begin the process of finding types and limits of coverage and comparing quotes from numerous providers ready to sell you car insurance.

Compare Midland TX Auto Insurance Quotes!

There are a number of companies offering auto insurance coverage in the city of Midland. Choosing the right one is often a matter of cost, but other times it reflects quality, service and personal preference. The biggest companies may not always be the best fit for your auto insurance needs. A smaller less known company may actually provide you with a better price, better service and better coverage. What are you waiting for? Get started finding the right Midland auto insurance company for you today with our free ZIP code search tool at the top of this page!