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Denison Car Insurance

Denison car insurance protects drivers in Denison, TX from any expenses incurred in the event of a car accident or damage to your vehicle. Before you get behind the wheel, make sure you have adequate coverage for your car. Shop around and compare the requirements when it comes to car insurance. Browse through multiple Texas car insurance quotes and connect instantly to providers across the nation to get the most adequate coverage for your specific needs.

Protect Yourself on the Roads

There are several different hazards drivers need to be aware of. Car accidents are one of the leading causes of death among all Americans and are the leading cause of death among people aged 18-24. Whether you have twenty years experience on the road or just got your license, you need to be aware of the various risks each time you get behind the wheel. While purchasing Denison automobile insurance will protect you in the event that something does happen, prevention is the best protection of all. Prevent any road accidents by knowing what to be on the lookout for when driving in Denison.

We all are busy people and often will multi task while on the road. Whether you are talking on the cell phone while driving, putting on your lipstick at a stop light or trying to keep your children quiet while sitting in rush hour, you are putting your life on the line every time you take your eyes off the road. People driving while distracted accounts for one out of every four motor vehicle crashes. What this equates to is 1.5 million collisions a year and 4,300 crashes daily due to distracted driving[1].

Distracted driving includes a number of activities, many of which have been made illegal by the National Highway Traffic Safety Administration. Talking on a phone or texting while driving are two of the most serious offenses. While it may not be illegal to drive and talk in Denison or in Texas, it most likely will be soon. This is because an estimated 28 percent of all crashes are caused by driving talking on a cell phone or texting[2]. However, putting on makeup, eating, drinking and changing the CD player or radio station are also often to blame for car accidents in Denison and across Texas.

In addition to driving while distracted there are several other hazards to be aware of when you are on the road. Speeding is a serious factor in car insurance claims for most vehicle insurance providers as is poor weather and limited visibility. Things like road works and congested traffic also tend to increase the risk of a road accident. When you are behind the wheel it is your responsibility to consider these hazards. Slow down, take your time, leave early if you need to and keep your eyes on the road to reduce your risk of getting in an accident and needing to make a Denison car insurance claim.

Purchasing Denison Car Insurance

Even safe drivers need Denison car insurance. If you are living in Denison, TX and driving, then you need Denison auto insurance. This is the law. Basic coverage in Texas consists of $30,000 per person up to $60,000 per accident of bodily injury liability as well as $25,000 of property damage protection. Because Denison, TX operates under a tort system, basic coverage only pays for the damage to the other drivers if you are liable for the accident. What this means is that basic coverage may not be enough for you so be sure that you are looking into full coverage options as well.

When you are buying your Denison car insurance you need to think about all expenses you may incur. While basic coverage takes care of the other drivers, what about you? What about your family and what about your car? Full coverage includes comprehensive and collision coverage which will pay for any on and off road costs you incur to your vehicle. Another option is personal injury protection which is a type of Denison vehicle insurance used to pay for medical related costs to you and your family. While basic coverage may be enough if the other driver is responsible for the accident, what happens if you are found to be at fault? Are you prepared for this?

Compare Auto Insurance Quotes

Make the right moves on the road by taking a few minutes to compare auto insurance policies before you buy. With our online search you can find a policy that offers full coverage for an affordable rate. Speak to a representative, browse through the insurance policy options and compare price quotes to drive away with the right policy for you. Remain confident on the road this year by understanding what is included and excluded on your Denison car insurance policy before you get in your car.

[1] http://www.iii.org/articles/cell-phones-and-driving.html 04/27/2011

[2] http://www.iii.org/articles/cell-phones-and-driving.html 04/27/2011

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