Cheap Car Insurance Richardson

Cheap Car Insurance Richardson

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cheap car insurance RichardsonRichardson is an affluent inner suburb of Dallas and located in Dallas and Collin counties. More than 5,000 businesses have operations within Richardson’s 28 square miles, including AT&T, Ericsson, Verizon, Cisco Systems, Samsung, ZTE, MetroPCS, and Texas Instruments. While it has always been a tech-oriented city, this fact helped Richardson weather the past economic downturn, and the city’s financial status has remained extremely healthy. It is also home to The University of Texas at Dallas and BlueCross-BlueShield of Texas headquarters. The largest employers are in the tech, education, and healthcare sectors, which helps keep the median household income high as well. The cost of living in Richardson is 8% higher than the Texas average, and 3% lower than the national average. The overall crime rate in Richardson is 25% lower than the national average. Low crime rates and low cost of living help keep down the cost of insurance and create competitive pricing. Residents should spend some time exploring all the options for cheap car insurance Richardson has to offer, as well as any discounts that are available.

Richardson Insurance Requirements

cheap car insurance Richardson 2Remember 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 Richardson

cheap car insurance Richardson 3There are 2 airports and 1 Amtrak train stations within 30 miles of the Richardson city center. The average travel time to work in Richardson is 6% lower than the national average, and the number of people who take public transportation in Richardson is 56% lower than the national average. DART has a number of rail stations in the city which helps give commuters alternatives to using their vehicles. The number of people who carpool to work in Richardson is 1% higher than the national average. Carpooling  can lower your auto insurance rates by decreasing your yearly mileage. This will help you qualify for the low mileage discount.

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