Best cheap car insurance quotes in Orange
The key to finding the cheapest auto insurance in Orange is figuring out how much coverage you need on your policy. Drivers can choose between state-minimum liability coverage or opt for a more comprehensive policy with full coverage.
Whatever coverage option you choose, our insurance agents at Jerry generally recommend increasing your liability limits above what your state mandates. Choose 50k/100k/50k at a minimum, but 100k/300k/100k is even better—and add full coverage (i.e. collision and comprehensive insurance).
Cheap minimum liability insurance quotes in Orange
Texas minimum car insurance requirements
mandate that all drivers must carry liability insurance that meets or exceeds the 30/60/25 limits. This includes:$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 for property damage liability per accident
With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
In Orange, a minimum coverage policy averages about $115 per month or $1,380 per year—and there are several places drivers in the city can go to find affordable coverage.
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Do you need more than minimum coverage in Orange?
In most cases, Orange drivers need more coverage than state minimum limits provide.
The reason: Rising healthcare costs mean that accidents involving injuries can quickly exhaust the minimum limits. And if the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit. If you don’t increase your limits and there are serious injuries and physical damage, your income goes towards paying the other parties' bills for years to come.
It’s also important to note that liability insurance doesn’t cover physical damage to your vehicle or protect you against collisions with hit-and-run or uninsured drivers.
The bottom line: Increase your liability limits or choose a policy with comprehensive, collision, and uninsured motorist coverage.
Cheap full coverage car insurance quotes in Orange
Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage typically includes comprehensive and collision coverage.Collision coverage
covers the cost of repairing or replacing your car after a collision with another vehicle or stationary object.Comprehensive coverage
pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
Despite the high insurance costs in the city, finding an affordable full coverage policy has been found with some top providers.
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If you lease or finance your vehicle, your lender may require you to have collision and comprehensive coverage for the duration of your loan or lease.
Although Texas insurance laws don’t require uninsured motorist coverage
, consider adding it to your policy for maximum protection.