Located at the junction of the North and South Concho Rivers, San Angelo, Texas, is famous for the pink Concho pearls produced by the rivers' mussels. The pearls are a treasure that area residents work hard to protect, just as you want to protect your own treasures --your home and your vehicles --with the appropriate insurance.
Seek Out Multiple San Angelo Insurance Quotes
To get the best prices on the homeowner's and auto coverages, it's a good idea to shop around for policies from several different insurance firms. It helps to have a general idea of the premiums you can expect to pay.
According to 2007 figures from the National Association of Insurance Commissioners, Texans pay an average of $808 in auto insurance premiums each year, making them the 19th most expensive state for auto insurance. Unfortunately, Texas ranks number two in yearly average homeowner's premium, with residents paying $1,448. (Iowans pay only $610 per year.) That makes it more important than ever to use every cost-cutting strategy you can when you're seeking San Angelo Insurance quotes.
San Angelo Insurance for Homeowners
Insurance companies offer four basic types of homeowner's policies in Texas. When you're comparing several San Angelo insurance quotes, make sure that the policies offer the same coverages and that they are providing all the coverages that you need. Flood insurance, for example, is not included in a basic policy, and some Texas homeowner's policies exclude windstorm damage as well. You'll have to pay extra if you want that protection.
The cost of your specific homeowner's policy will vary according to the types of coverages that you get and the policy limits you choose. (A mortgage lender may require you to maintain certain limits on your home.) A cash value policy, which pays for your personal property on a depreciated basis, costs less than a replacement value policy that will provide enough money for you to replace your items. To save money on your premium, you may get discounts for certain types of smoke detectors or security systems. If you can afford the additional out-of-pocket expense that a $500 or $1,000 deductible would require, the premiums you'd pay for your San Angelo Insurance policy could be as much as 25% less than you'd pay in a policy with a lower deductible.
Getting San Angelo Insurance Quotes for Your Vehicle
Texas' financial responsibility law requires vehicles in the Pearl of the Conchos to carry liability insurance of at least $25,000 for each injured person ($50,000 per accident) and $25,000 for property damage per accident. Starting in 2011, these minimum policy requirements will go up to $30,000 per person /$60,000 per accident, with the $25,000 property damage minimum unchanged.
If you're worried that the higher limits could impact your premium payments, you may have some options. Check for multiple vehicle or home/vehicle discounts, or for discounts for taking defensive driving courses or installing an alarm system. As with homeowner's insurance, the higher the deductible on your automobile insurance policy, the lower the premium will be.
The Easy Way to Compare Costs
The Chicken Farm Art Center, which combines two art galleries and 15 artists' studios with a bed and breakfast and restaurant, is a well-known attraction in the Conchos City. When you're looking for San Angelo insurance policies, you'll also want to deal with well-known insurance companies. NetQuote.com is a good place to start. NetQuote saves you time; instead of filling out a form with more than 100 questions for each insurer, you fill out a single form and get five quotes. With NetQuote, your insurance comparison shopping is easy and available 24/7 --and that's a real treasure in time savings and convenience.