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San Saba County

Driving in San Saba County

Out of the 23 million vehicles registered in the state of Texas, 4,762 (≈0.02%) can be found in San Saba County, used for personal and commercial endeavors.
Approximately 71% of the vehicles that are utilized for commuting to work daily only transport the driver and no one else, and about a third of these automobiles spend more than 30 minutes on the road.
With 20% of Texas vehicles uninsured, nearly 1,000 vehicles in San Saba County are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. Close to 5 thousand vehicles registered in San Saba County need at least Auto Liability insurance coverage as required by Texas law. Comprehensive Coverage, Inland Marine, and Farm or Commercial Auto are a few of the additional options that car owners can choose from, depending on what vehicles they own and how they utilize them.
  2. A sizable portion of San Saba County is rural, and roads in rural areas have less traffic and less potential for vehicular collision. However, rural areas are more prone to Animal-Vehicle Collisions (AVCs). 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, San Saba 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.
  3. Approximately 20% of the vehicles in Texas do not have auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.
    To get auto insurance advice in San Saba County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.
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Car Insurance in Texas

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San Saba County Housing

Just like the majority of Texas, the approximately 3,221 homes in San Saba County are primarily inhabited by their respective owners. Around 68% of the properties in this county are owner-occupied, while only 32% are listed for rent. The state average owner-occupied rate is over 62%.

Around San Saba County, Mills County has the highest owner-occupied rate at 85%, followed by Llano County at 78%. San Saba County has the smallest portion of homes inhabited by the owners among the adjacent counties.

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

Housing Insurance Analysis:

  1. Over 3 thousand homes in San Saba 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 properties from damage or even total loss.

  2. With over 1 thousand housing properties listed for rent, landlords in San Saba County are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Tenants take out Renters Insurance, which is quite affordable by most and can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in San Saba County require Renters Insurance as part of the lease conditions.

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 San Saba 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 (The agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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San Saba County Health

Roughly 31% of San Saba County’s adult population under 65 years old do not have proper health insurance coverage. This rate is considerably lower than the state average of 21%. It is also the highest figure in its region, while Lampasas County reports the lowest adult uninsured rate at 19%.

The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County, at just 11.4%.

Approximately 25% of San Saba County residents report problems with their health. This is partially due to the fact that over 1 out of 5 of the adult population smoke, and 19% of the residents consume alcohol excessively.

On top of these, 1 out of 4 residents does not exercise regularly, which is a contributing factor why 32% of San Saba County’s adults are obese (with a BMI of 30 or more) — a figure that is similar to the state average of 31%.

Among the neighbors, Brown County has the highest obesity rate at 37%, followed by Lampasas and Burnet counties, with 34% of obese adult residents. Mason County has the lowest figure in the region, with a 25% obesity rate.

At least 4 health insurers in San Saba County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Over 1 thousand San Saba County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. Texans can purchase multiple types of health insurance and supplemental products. This makes the shopping process for the best coverage that fits their specific needs (both medically and financially) much easier. Texas residents 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. If traditional health insurance is too expensive, lower-income Texans may apply for government subsidies, which can drastically decrease their out-of-pocket health insurance 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 San Saba County.

A Texas health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time you need to make a change to the policy or shop for replacement coverage.

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Health Insurance in Texas

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San Saba County Mortality and the End of Life Statistics

The average life expectancy in Texas is around 79.2 years, and San Saba County has the exact same figure. In its area, Mason County has the longest life expectancy at 81.2 years, followed by San Saba County. At the bottom of this list is McCulloch County, with a life expectancy of 75.6, closely followed by Brown County at 75.8 years old.

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 more than 1,400 seniors (65 and older) living in San Saba County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. As the insured’s age goes up, so do their life insurance premium rates. This is why young adults are encouraged to take out a policy as early as possible to save money in the long run.

  3. Roughly 21% of adults in San Saba County smoke, which increases their life insurance premiums by up to 4 times. A smoker is predicted to pass away at a younger age which makes them a higher risk for life insurance carriers.

  4. Permanent Life Insurance also has a cash value component, which can be used while the the insured is still alive:: to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in San Saba County

Motor vehicle fatalities in Dallas County statistically occur at a rate of 31.29 per 100,000 vehicles on the road: approximately 1 to 2 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 73 crashes in San Saba County, with zero fatalities. Around 33% of the fatal car crashes in San Saba County involve alcohol.

Final Expenses – San Saba County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, while the average across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.

Looking at San Saba County’s neighbors, Llano County appears to have the most expensive funeral cost average at $6,900, followed by Lampasas County at $6,100. McCulloch County could possibly have the most affordable funerals in the region with an average of $5,500.

In the entire state of Texas, Polk County has the highest 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 passing away with less than $10,000 in assets, San Saba County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leaves debts and taxes that are unsettled, which may further affect the financial situation of the family and left behind.

  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 San Saba County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed life insurance agent with access to multiple insurers. An experienced agent can help you evaluate your needs and then offer you multiple solutions to fill them.

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

Life Insurance in Texas

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