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Sabine County

Driving in Sabine County

There are approximately 23 million registered vehicles in Texas, and 0.04% of them can be found in Sabine County — this translates to roughly 8,288 vehicles used either for personal or business purposes.

Approximately 91% of its adult drivers commute to work alone, which means that only 1 out of 10 vehicles commuting daily is used for carpooling. Nearly 1 out of 4 of these drivers take at least 30 minutes to complete a trip.

It is estimated that 20% of drivers in Texas are uninsured, and over 1,600 vehicles in Sabine County alone could be uninsured or underinsured.

Auto Insurance Analysis:

  1. Sabine County has over 8 thousand registered automobiles that could use auto insurance coverage. Collision Coverage, Gap Coverage, Comprehensive Auto, and Farm Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them. Liability Coverage, on the other hand, is required by law.

  2. Texans spend nearly $900 million every year on Uninsured and Underinsured Auto Coverage costs because 20% of its drivers do not have coverage. Because of this, Uninsured Driver Coverage is becoming more important in the state.

  3. Most of the roads in Sabine County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. However, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Sabine county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.

  4. Farmers can bundle the coverage for their personal vehicles and farm trucks to help save some money in terms of premiums.

To get auto insurance advice in Sabine County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas. Many agents may have access to multiple insurers and they can help you evaluate your needs.

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Car Insurance in Texas

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Sabine County Housing

The 8,646 homes in Sabine County are mostly inhabited by the owners themselves. In fact, 88% of these properties are owner-occupied, and this percentage is considerably higher than the Texas average (≈62%). Sabine County’s home owner-occupied rate is also the highest in its region.

Looking at its neighbors, Newton County comes in second with 85% of its housing properties occupied by the landlords, while Shelby County has the lowest figure at 74%.

Approximately 13% of the homes in Sabine County experience various housing issues like overcrowding, poor plumbing, or kitchen-related problems. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Nearly 9 thousand homes in Sabine County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the underlying financial investment from damage or even loss.

  2. With more than 1 thousand housing units in Sabine County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Tenants, on the other hand, obtain Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is usually inexpensive, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Sabine County include Renters Insurance as a requirement of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Sabine County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (Agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Sabine County Health

It is estimated that 20% of Sabine County residents do not have proper health insurance, and this percentage is quite close to the state average of 21% (as of 2021). But among the neighboring counties, Shelby County has the highest adult uninsured rate at 26%, while Jasper County has the lowest figure at 18%.

In Texas, Gaines County has the highest figure for this demographic at 36%, and on the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

Around 23% of Sabine County residents have health issues, and this translates to roughly 2,000 residents.

Approximately 27% of the adults in Sabine County are considered obese (with a BMI of 30 or more), and this is probably due to the fact that a third of the population does not exercise regularly. Among the neighbors, Jasper County has the highest obesity rate at 44%, while Sabine County has the lowest figure.

There is at least 1 health insurer in Sabine County that offers affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Almost 2 thousand Sabine County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. The sale of multiple types of health insurance and supplemental products is allowed in Texas, which makes the shopping process for the best coverage that fits your specific needs (both medically and financially) much easier. Texans can get coverage through Group or Individual Marketplace ACA Health Insurance, Various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Low-income individuals may not be able to afford health insurance, but should they reach out to a licensed health insurance agent, they can get assistance on how to apply for government subsidies that could lower or even eliminate out-of-pocket costs.

  4. Short-Term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Sabine County.

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Health Insurance in Texas

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Sabine County Mortality and the End of Life Statistics

The average life expectancy in Texas is around 79.2 years old, and Sabine County is only a couple of years short of this average at 76.1 years. In the region, Newton County has the longest average life expectancy at 76.9 years old, while Shelby and Jasper Counties have the shortest life expectancy, both at 74.9 years.

Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.

In 2022, there were approximately 3,200 seniors (65 and older) living in Sabine County.

Life Insurance Facts:

  1. In 2021, 47% of Americans did not own any kind of life insurance coverage.

  2. Age is one of the biggest factors that affect life insurance premium rates. The younger the potential policyholder is when they take out the policy, the less expensive their premiums will be.

  3. More or less 24% of Sabine County residents smoke, and this habit will spike up the premiums of over 1 thousand residents. A smoker’s life insurance premiums can be up to 4 times more expensive than a non-smoker's, as their life expectancy is deemed shorter unless they change their habits.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds as a tax-free retirement income to pay for premiums, or for emergency expenses, among others.

Motor Vehicle Fatalities in Sabine County

Motor vehicle fatalities in Sabine County occur at a rate of 38.37 per 100,000 vehicles on the road, averaging 3 to 4 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 94 crashes in Sabine County, which led to 4 fatalities. Around 20% of the fatal car crashes in Sabine County involved alcohol.

Final Expenses – Sabine County Funeral Home Cost

The average cost of a funeral in Texas is around $6,200, and Sabine County’s residents spend a lot more than that, with an average funeral cost of $7,500. Looking at its neighbors, Newton County residents spend the most money when a loved one passes away, with an average of $8,700. Meanwhile, Shelby and San Augustine Counties have the most affordable funerals in the region, both at $5,200.

In the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for over a thousand Sabine County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they may have to focus on figuring out how to pay for the funeral.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Sabine County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.

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Life Insurance in Texas

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