Texas' 16th largest city boasts nearly 5,000 acres of parks, the scenic Joe Pool Lake, and a slate of recent Governor's Community Achievement Awards for the Keep Grand Prairie Beautiful program. But although this Dallas-Fort Worth offshoot offers a high quality of living for residents, many local Cowboys fans may be confused about their Grand Prairie insurance options. After all, let's face it: insurance can get complicated. Even if you had a great education through the award-winning Grand Prairie Independent School District, you may still be confused about the various home, life, auto, renters, business, and other insurance options at your disposal. In fact, the sheer volume of choices alone can be intimidating.
Grand Prairie Insurance Advice for I-20 and I-30 Drivers
Whether you spend your days commuting to the Ruth Jackson Conference Center or you busy yourself driving on State Highway 360, Spur 303, or I-20 to Fort Worth, you likely need auto insurance. Owners of gas guzzling pickup trucks and hybrid Priuses alike must abide by Texas rules regarding minimum liability. In Texas, you need both bodily injury (BI) and property damage (PD) coverage. For bodily injury, you need $50,000 per accident and $25,000 per person. For property damage, you need $25,000 per coverage. Please note that starting January 1, 2011, the minimum Texas coverage requirements will be changing significantly; you will need $60,000 per accident BI coverage and $30,000 per person BI coverage. Property damage coverage won't change --you will still need $25,000. Although Lone Star State residents tend to think of themselves as extraordinary, Texas is "in the middle" when it comes to auto insurance costs. The average expenditure per premium in 2007, according to the National Association of Insurance Commissioners, was $808 --just $13 more than the national average of $795. As of 2007, Texans paid $450 for liability, $337 for collision, and $168 for comprehensive.
To drive down your rates, opt for higher deductibles, take defensive driver courses, and see whether you might qualify for good driver, good student, or low mileage discounts. Also, consider getting your auto and home insurance from the same company to qualify for discounts.
Grand Prairie Insurance Quotes for Homeowners, Renters, and Golfers
Whether you moved to Grand Prairie simply so your kids could have easy access to Six Flags Over Texas, or you rented a place in town to be near the links at Prairie Lakes Golf Course or Tangle Ridge Golf Course, you likely need home or renters insurance. Unfortunately, Texas is one of the most expensive states for homeowners insurance. As of 2007, according to the National Association of Insurance Commissioners, the average premium was a whopping $1,448 --the second highest in the nation. Renters also had it hard; the $226 average was fourth highest in the nation. Compare these rates to the U.S. averages of $822 for homeowners and $182 for renters. Note that these numbers are based on the average for HO-3 homeowners' policies, the most typical "all risk" policies for personal property. If these numbers intimidate, be thankful you don't live in Florida, which had an average premium for homeowners' insurance of $1,534.
So what can you do to get these gargantuan costs down? Consider installing security features, such as a sprinkler system, smoke alarm, and burglar alarm. You can also improve your credit score (over the long term), opt for a higher deductible, and get rid of problematic toys, like trampolines. As any Grand Prairie insurance agent will tell you, the town has a low crime rate; nevertheless, take a look at neighborhood crime and safety rates if you are shopping for a place.
Getting a Grand Bargain on Grand Prairie Insurance Quotes
Whether you are searching for home, auto, life, health, or any other kind of Grand Prairie insurance policy, your best weapon for cost cutting is comparison shopping. But how can you compare quotes from different insurers effectively? NetQuote provides a good resource. Our free online service works as follows. Fill out an online questionnaire and submit it. NetQuote will return five or more quotes from the nation's best insurers (our pool includes over 100 companies). Then compare and contrast the policy options and make the best choice or use the data to refine your search further. NetQuote also offers a slew of high quality articles to help you understand the insurance process better.