McAllen is located at the southern tip of Texas in the Rio Grande Valley, is ranked the fifth most populated metropolitan area in the state of Texas. Much of McAllen’s economy has shifted from agriculture to international trade. The amount of cargo traffic passing through the city has exploded in recent years, which poses some unique traffic concerns. The cost of living in McAllen is 14% lower than the Texas average, and 23% lower than the national average. options for cheap car insurance McAllen agents offer. With so much shipping, things can get bad no matter when you’re on the road, but drivers are advised to be cautious, especially during peak traffic hours. This makes it especially important to take a few minutes to compare all the options for cheap car insurance McAllen agents can offer you.
The overall crime rate in McAllen is 19% higher than the national average, and the city is safer than 46% of the cities in the United States. There are a total of 404 McAllen police officers, and the department also has a Crimes Against Persons Unit, a CSI Unit, and a Special Investigations Bureau. Low crime rates and a stong police force are important factors in keeping down insurance premiums.
McAllen Insurance Requirements
Remember that carrying the minimum coverage required by law may not be enough to cover you personally. Make sure your policy will cover all of your assets, even if you are in an accident with an uninsured driver.
- Bodily Injury coverage requirements are a minimum of $30,000 per person and $60,000 per accident.
- Property damage liability minimum requirements are $25,000.
- Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers. According to Texas’ DMV, an estimated 20% of drivers in the state are uninsured, resulting in costs of up to $900 million for consumers.
- The law in Texas requires drivers to pay for accidents that they cause. Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident.
Public Transportation In McAllen
There is 1 airport and 1 Amtrak train station within 30 miles of the McAllen city center. Metro McAllen has provided public transportation for the City of McAllen since June 1997. The City of McAllen also operates the bus terminal facility in downtown McAllen, and approximately 60 buses depart from Central Station on a daily basis. The average travel time to work in McAllen is 21% lower than the national average. Still, utilizing public transportation or carpooling are the best ways to save mileage, and money on your car insurance.