Due to increased medical costs and new minimum limits for liability coverage, auto insurance rates have increase for many Dallas, Fort Worth and Arlington drivers by 8 percent, according to the Dallas Morning News. Although the insurance industry claims that rising medical costs and the increased liability limits have caused the price hike, consumer advocate groups think that it’s all due to the greed in the insurance industry.

When comparing the average auto liability insurance premiums in North Texas, the Dallas morning news found that those in Arlington saw their premiums go from an average of $496 annually in 2010, to an average annual rate of $536 in 2011. In Duncanville, it went from $562 in 2010 to $608 in 2011, and Irving went from $545 in 2010 to $591 in 2011.

As a personal injury attorney in Fort Worth, I see the benefits of having good auto insurance on a daily basis and want you to know that now is not the time to cut back on insurance just because of a price hike. I know that times are tough for many Texans, but trust me, you cannot afford to go without auto insurance – not to mention, it’s against the law. You must protect yourself and your family members by having auto insurance because car accidents in Tarrant County generally happen when you can least afford to have one.

Even if you are worried about how you will pay for your auto insurance, there are still plenty of things you can do to cut costs. Shop the best rates by using the Texas Department of Insurance’s website, www.helpinsure.com. Compare insurance costs before buying a new car – certain cars are accident prone, which will increase your insurance premiums. Haven’t had any accidents or moving violations? You can seek discounts from some insurance companies that why.

While you have insurance on the brain, now would be a good time to learn about why personal injury protection is the best insurance to have. Remember in hard economic times, many people cut costs they don’t think are necessary to everyday life, like auto insurance. If one of these uninsured people hits you in a car accident, you will be out of luck unless you have the right amount of insurance coverage to pay for your vehicle repairs and medical bills. If anything, now is the time to buy even more insurance.

If you have any questions on the insurance policies involved in your car accident claim, feel free to contact my accident and injury law firm in Fort Worth.

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