Temple is a city is part of Bell County located in the region referred to as Central Texas. It is the demographic center of Texas, and the major cities of Dallas, Houston and San Antonio are less than three hours away. Temple was founded as a railroad junction and serves as a major freight railroad hub to this day. Traffic can be very heavy, due to the city’s location off Interstate 35, just 65 miles north of Austin and 34 miles south of Waco. The cost of living in Temple is 5% lower than the Texas average, and 15% lower than the national average. The city is within 30 miles of Fort Hood, and military personnel make significant contributions to the city’s economy. The overall crime rate in Temple is 39% higher than the national average, however, 2014 reports show that he number of total year over year crimes has increased by 9%. Crime rates and cost of living influence the cost of insurance premiums. This makes it very important to explore all the options for cheap car insurance Temple can offer.
Temple 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 Temple
There is 1 airport and 4 Amtrak train stations within 30 miles of the Temple city center. The Union Pacific Railroad and BNSF Railway serve the city, and Amtrak also serves the city with its Texas Eagle passenger train, which stops at the Temple Railway Station. The Hill Country Transit District (The HOP) operates three bus routes within the city, with an additional bus connection to Killeen. Fortunately for commuters, the average travel time to work in Temple is 39% lower than the national average. You can still save money by using public transportation or carpooling. This will lower your car’s yearly mileage, qualifying you for a discount on your insurance premium.