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Guadalupe County

Driving in Guadalupe County

Approximately 137,228 vehicles are registered in Guadalupe County for both commercial and private use. These registered vehicles make up about 0.6% of all registered vehicles in Texas.
Every day, over 90,000 adult drivers in Guadalupe County commute to work, with nearly half of those commutes lasting more than 30 minutes.
Over 20% of Texas vehicles are uninsured, which means there could be over 27,000 uninsured or underinsured vehicles in Guadalupe County.
Car insurance is required in Texas as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Roughly 140,000 vehicles registered in Guadalupe County are in need of auto insurance. The compulsory insurance may range between Private Auto, Commercial or Farm Auto, Auto Liability, Commercial Inland Marine, etc. The auto insurance may also depend on the type of a vehicle and its use.

  2. Longer daily commutes can increase auto insurance costs by increasing the amount of time a driver spends on the road. The longer a driver is on the road, the more likely he or she will be involved in a car accident. To summarize, the cost of auto insurance is influenced by the level of risk.

  3. The majority of Guadalupe County residents drive alone, which adds to traffic congestion and raises insurance premiums.

  4. Uninsured Driver Coverage is becoming increasingly important in Texas because one out of every five drivers is either uninsured or underinsured. Every year, Texans spend over $900 million on Uninsured and Underinsured Motorist coverage.
    If you need consultation and advice on Auto insurance in Guadalupe County, contact a Property & Casualty insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Guadalupe County Housing

Guadalupe County's approximately 66,696 housing unit market is split between homeowners (77 %) and renters (23%), similar to the rest of Texas, where most homes are owner-occupied. The Texas state average for homeowners and renters is 3-2. The surrounding counties are mostly made up of owner-occupied homes as well, with Wilson County leading the way with more than 84% homeownership and Bexar County trailing with only 59%.

Overcrowding, a lack of plumbing, and/or unsanitary kitchen conditions affect more than one out of every eight housing units in Guadalupe County.

Housing Insurance Analysis:

  1. Guadalupe County should insure nearly 67,000 housing units. To protect the owner's property against loss or damage, all housing units should be covered by homeowner's insurance (Homeowners or Condo). Business Property insurance protects apartment complexes and condo associations.

  2. Guadalupe County has over 15,000 rental units, which property owners should insure with Landlord Insurance. Landlord insurance secures the property and its owner against potential liability issues.

  3. Renters Insurance is typically purchased by tenants to protect their belongings from potential damage or loss. The standard Renter's Insurance covers theft and damage caused by water, fire, smoke, and vandalism. As a condition of the lease, landlords may also require renter's insurance.

For consultation and advice on Homeowners insurance or Renters insurance in Guadalupe County, contact a Property & Casualty insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Guadalupe County Health

Guadalupe County has lower health insurance rates than the state average. Uninsured adults and children account for approximately 16% of the population. This figure is significantly lower than the state average of 20.7% (in 2021). Caldwell County has the highest uninsured rate among neighboring counties, with nearly 26% of residents lacking health insurance. Comal County, on the other hand, has the lowest uninsured rate, with 15% of its residents uninsured. Gaines County, on the other hand, has the highest uninsured adult rate in Texas, nearing 36%, while Loving County has the lowest, around 11%.

One out of every five adults in Guadalupe County has a health problem. Approximately 21% of the population does not engage in physical activity, contributing to a third of the population being obese, which is slightly higher than the Texas average of 32%. Caldwell County has the highest obesity rate of any peer county, accounting for 39% of the adult population. Bexar County, on the other hand, is said to have the lowest obesity rate among its neighbors, at less than 30%.

In Guadalupe County, at least 2 insurers provide affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. The most essential type of insurance is health insurance, and nearly 24,000 Guadalupe County residents do not have it.

  2. Texas is one of the states in the country that offers a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to 3 years in coverage),hospital indemnity, accident and health, and so on.

  3. Health insurance can be prohibitively expensive, particularly for those with low incomes, so they are advised to apply for government subsidies, which can significantly reduce the cost of insurance. Short-term insurance may be an option if you do not have any pre-existing conditions. (Please keep in mind that some multi-year short-term plans may cover specific pre-existing conditions after a full year of coverage.)

If you need consultation and advice on health insurance in Guadalupe County, contact a Texas-licensed health insurance agent.

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Health Insurance in Texas

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Guadalupe County Mortality and the End of Life Statistics

The average lifespan in Guadalupe County is projected to be around 80 years old, which is marginally higher than the Texas state average of 79.2 years old. Hays County has the longest life expectancy among neighboring counties, at 80.7 years old, nearly a year longer than Guadalupe County, while Caldwell County has the shortest, at 77.3 years old. Presidio County, on the other hand, has the highest average life expectancy rate in Texas, at 88.8 years. With a life expectancy of 72.8 years, Donley County has the lowest life expectancy.

Guadalupe County had nearly 25,000 senior (65 and older) residents on record as of 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have any type of active life insurance policy.

  2. Life insurance premiums are based on the insured's age at the start of the policy, so the younger you are when you get it, the less you will have to pay in premiums over the course of the policy period.

Motor Vehicle Fatalities in Guadalupe County

Every year, approximately 18-19 fatal crashes occur on Guadalupe County roads, at a rate of 13.34 per 100,000 vehicles on the road.

Guadalupe County had 2,136 crashes in 2020, with 14 fatalities, according to the Texas Department of Transportation (TxDoT). Alcohol was the leading cause of approximately one-third of all traffic fatalities.

Final Expenses -Guadalupe County Funeral Home Cost

A conventional memorial service in Texas can cost between $5,000 and $12,000, including basic service fees, casket, embalming, transportation, viewing, and burial. In Texas, the average memorial service cost is $6,200, while in Guadalupe County, the average memorial service cost is $6,000. Wilson County has the most affordable memorial services among neighboring counties, at nearly $5,000, while Comal County has the most expensive, at $7,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that over 11,000 senior citizens in Guadalupe County may be putting an undue burden on their family and friends with basic funeral expenses. For example, instead of mourning the death of a loved one, the family must find a way to pay.

  2. Aside from the burial costs, the deceased may have left taxes and debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most commonly used life insurance policies that cover "final expenses" up to $50,000.

  4. The most common life insurance policies that allow money to be left to family members are: Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance and Final Expenses.

If you need consultation and advice on life insurance in Guadalupe County, contact a Texas-licensed life insurance agent.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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