The Rio Grand Valley offers a plethora of treasures, opportunities... and dangers. As you strive to source Harlingen insurance quotes, you've no doubt mentally gone through a list of the potential hazards that you and your business could encounter. From accidents with uninsured drivers on US Highway 83 and I-35 to monster storms blowing in off the Gulf of Mexico, Texas-sized hazards abound. And it's not just the specter of an auto accident at the interchange of two massive six lane highways that keeps you up at night. You also worry about more mundane but no less vexing concerns, such as the fiscal health of your business, the cost of your diabetes medications, and whether or not you might be able to hold on to your health plan if your company goes out of business. To that end, this article can help salve your fears by providing some strategic guidance and suggesting a time-proven and battle worn method for finding Harlingen insurance quotes.
Texas-Sized Homeowners and Auto Insurance Worries
In 2007, the National Association of Insurance Commissioners report found that Texas homeowners paid $1,448 on average for their insurance -- ranking the Lone Star State as the second most expensive state in the US for HO-3 policies -- just barely losing out to the Sunshine State of Florida for the dubious honor of most expensive state. When it came to auto insurance, the Lone Star State fared better -- Texans drivers paid $808 ($168 for comprehensive, $337 for collision, and $450 for liability) -- just slightly above the US average of $795. That said, Texas as a whole had a relatively high uninsured rate -- 15% of drivers, according to 2007 findings from the Insurance Research Council. And anecdotal evidence suggests that drivers at the border are far more likely not to have insurance -- or not to have enough insurance. Yes, you can tack on coverage such as underinsured motorist (UIM) and uninsured motorist (UM) to shield yourself if you encounter one of these drivers. But the fact is that just looking at these numbers can put a sour taste in your mouth and make you worry.
First of all, take a breath. You are not the only one facing stress about potentially high Harlingen insurance rates. Second, realize that, for all the distracting and dynamic factors that potentially could drive up your rates, you can also find myriad opportunities to cut down your rates without getting rid of coverage that you really need and want. The key is patience, persistence, and knowledge. For instance, just looking at auto insurance alone, you can find dozens of ways to save or consolidate your coverage. For instance, if you own an ugly pickup truck that you use to haul loads to the river, opt out of collision and comprehensive coverage to lower rates. Or raise your deductible to get those rates down. Most importantly, reevaluate and refresh your Harlingen insurance coverage at least annually, if not more often.
Hang your Hat on Hipper Harlingen Insurance Quotes
Through the free online service here at NetQuote, you can gather a multitude (5+) of Harlingen insurance quotes right now to plan your coverage and to keep your budget in line. Our quote form is fast and free to fill out -- and it will save you scads of time with your research.