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Armstrong County

Driving in Armstrong County

Armstrong County has an estimated total of over 1,456 registered vehicles. The most common usage of vehicles in the county is for transportation to and from work. Individuals in Armstrong county who drive to work alone account for around 70% of the total, with almost 40% of those commuting daily for 30 minutes or more.

Auto Insurance Analysis:

  1. Around 1,500 automobiles registered in Armstrong County are required to have liability insurance. Besides the state mandated coverage, the vehicles may require additional insurance depending on the vehicle's intended use. Private auto insurance, commercial auto insurance, auto liability insurance, commercial inland marine insurance, and other types of vehicle insurance are all options to consider.

  2. As the majority of Armstrong County roads are rural, there is less traffic and less potential of a vehicular collision. Howerer, rural areas are more susceptible to animals getting out on the road and in the way of moving cars. Armstrong county residents are generally advised to carry Comprehensive Auto coverage, in addition to the state-mandated Liability. Comprehensive auto covers the cost of damage repair or a full replacement of your vehicle, if you run into a deer caught in the headlights.

  3. When a car spends more time on the road, the cost of auto insurance rises as a consequence. This is due to the fact that increasing the amount of time spent driving increases the likelihood of an accident occurring.

  4. The fact that one out of every five drivers in Texas is uninsured highlights the need of having Uninsured Driver Coverage in place. Texas residents pay over $900 million each year on Uninsured and Underinsured Motorist coverage. By driving uninsured, such high-risk drivers place the weight of damage responsibility on other drivers who use the road with them, increasing the likelihood of an accident. If you are discovered driving without insurance, you will be fined, and your car will most likely be seized. You may also risk a suspension of your driving privileges.

Speak to a professional Texas Property & Casualty (P&C) insurance agent to get consultation and guidance on Auto insurance matters.

Armstrong County Housing

There are around 955 dwelling units, with approximately 88% of those units being inhabited by homeowners. The remaining 12% is renter-occupied.

Unlike the Texas state’s average of over 17%, just 9% of households in Armstrong County suffer severe housing challenges, such as:

  • Increasing expense of housing
  • Absence of available plumbing facilities.
  • Overcrowding, and
  • The absence of adequate cooking facilities

Housing Insurance Analysis:

  1. Around 1,000 housing units in Armstrong County are in need of insurance coverage. It is recommended that the owners of these properties have at least the bare minimum of Home owner insurance Homeowners or Condo. This assists the owners in replacing or repairing the structure of the building or any of its contents in the event that an incident and damage covered by this insurance takes place.

  2. Landlord Insurance is strongly recommended for the approximately 114 Armstrong County’s housing units that are currently inhabited by renters. Landlord insurance protects the property owner from damages and loss of rental income. In the event that a tenant files a liability claim against the landlord, the insurance will cover the property as well as the landlord.

  3. Tenants may also protect themselves by purchasing Renters Insurance coverage, which is far less expensive than Homeowners insurance coverage. Renters insurance protects against theft or loss of property, as well as losses caused by vandalism, smoke, sewage backup damage, water, or fire. The agreement also serves to protect a renter from responsibility in the event that a person is injured on the property. Occasionally, landlords in Armstrong County may require tenants to get Renters insurance before signing the lease agreement.

Contact a Texas-licensed Property & Casualty (P&C) insurance agent to get advice on the kind of housing insurance coverage you need.

Armstrong County Health

When it comes to health insurance coverage, around 18% of the residents under the age of 65 in Armstrong County are uninsured. Among the neighbors, over 26% of residents in Randall County don’t have health insurance, as opposed to around 13% in Potter. As a comparison. Gaines County had the highest uninsured rate in Texas, with approximately 36 percent, and Loving County - the lowest, of around 11%.

Armstrong County has at least two health insurers that provide inexpensive and often subsidized Affordable Care Act health insurance, both on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important kind of insurance, and in 2022 over 250 residents of Armstrong County did not have this essential coverage.

  2. The state of Texas provides a wide range of health insurance options, making it simple for consumers to get coverage. Health insurance options include Marketplace Affordable Care Act health insurance, short-term insurance, hospital indemnity, accident and health insurance, and others.

  3. It is recommended that if a person is interested in health insurance but is unable to purchase it, that they seek government subsidies. These subsidies contribute to a considerable reduction in the price of health insurance for lower-income individuals.

To get consultation, information, and help in acquiring health insurance in Armstrong County, discuss your needs and goals with a certified Texas health insurance agent.

Armstrong County Mortality and the End of Life Statistics

78.8 years is the average life expectancy in Armstrong County, which is lower than the Texas average of 79.2 years. As for the counties that surround it, Randall County shares the state average with the longest life expectancy, while Donley County has the shortest life expectancy at less than 73 years old.

Approximately 466 seniors (age 65 and over) resided in Armstrong County as of 2022.

Life Insurance Facts:

  1. According to a study conducted in 2021, over 48 percent of people in the United States did not have any kind of life insurance coverage.

  2. The cost of life insurance premiums is determined by the age of the insured at the time the policy is started. The younger and healthier you are when you begin coverage, the more money you can save in premiums throughout the course of the policy.

  3. Basic life insurance is quite affordable and guarantees that the individual's beneficiaries get the death benefits that have been agreed upon by the parties.

Motor Vehicle Fatalities in Armstrong County

According to a report released by the Texas Department of Transportation in 2020, Armstrong County had 65 traffic collisions and 2 fatalities.

Final Expenses –Armstrong County Funeral Home Cost

The cost of a funeral service in and around Armstrong County can be quite expensive. The average cost of a funeral in Armstrong County is $8,000 which is the highest among neighboring counties. Donley County has the second highest average funeral cost of $7,900, while Randall County funeral businesses have one of the lowest average funeral costs in the area, under $5,300.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, the expense of a simple funeral may be prohibitively expensive, putting a needless and sometimes unpleasant burden on the family and friends of the deceased. Instead of focusing on their grief, the family must concentrate on figuring out a means to make ends meet.

  2. In addition to burial fees, the departed usually leave behind taxes and other debts that may need to be paid by the family.

  3. Term Life Insurance and Final Expense insurance are the two most often utilized types of life insurance plans to cover "final expenses" up to a maximum of $50,000 in coverage.

  4. When it comes to leaving a larger sum of money to the family, the most generally utilized types of life insurance are versions of: Term Life Insurance, Whole Life Insurance, and Indexed Universal Life (IUL) insurance.

For a no-obligation consultation and guidance on life insurance in Armstrong County, speak with a life insurance agent who is licensed to do business in Texas.