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Wichita County

Driving in Wichita County

About 105,152 vehicles, both private and commercial, take the roads of Wichita County. In the entire state of Texas, this represents approximately 0.45% of all its registered vehicles.

Of all its adult drivers, 77% commute to work by themselves, with a small fraction of these drives taking more than 30 minutes.

Uninsured drivers in Texas are estimated at 20% and in Wichita County there may be 26,000 vehicles without insurance coverage.

Auto Insurance Analysis:

  1. With more than 100,000 vehicles registered in Wichita County, insurance coverage based on the type of vehicle and its use, is a necessity. Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc. are among those insurance required of every vehicle. Auto Liability is required for each vehicle on the road.

  2. Uninsured Driver Coverage is evermore important considering that 1 out of 5 drivers in Texas is uninsured. An annual estimate of $900 million is spent by Texans for Uninsured and Underinsured Auto Coverage.

For consultation and advice on auto insurance in Wichita County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Wichita County Housing

In Wichita County, 56,315 housing units are mostly owner-occupied, nearly matching the rate of residences occupied by owners in the entire Texas (62%). Rentals in Wichita County account for almost 40% of residential property. Among the neighboring counties, Wichita County has the least number of houses occupied by its owners, while Clay County has the most, with over 84% owner-occupied homes.

One in 6 housing units in Wichita County report housing problems like overcrowding, plumbing and some kitchen issues. About 14% of the households spend more than 50% of income on housing.

Housing Insurance Analysis:

  1. More than 50 thousand housing units in Wichita County need insurance coverage to safeguard its financial investment against any loss or damage. At the very least, these owners of the properties should obtain Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes).

  2. There are more than 22,000 rented housing units in Wichita County that should be covered by Landlord Insurance, which includes coverage of the property itself and possible liability claims the tenants might pursue.

  3. Renters Insurance is equally important to tenants to protect their belongings from loss arising from theft and damages brought about by fire, smoke, water and vandalism. Some landlords require this insurance as one of the conditions in the lease.

To know more about Homeowners, Renters, Condo, Flood, and other types of insurance in Wichita County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

A Texas P&C Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the locally available plans that fit your needs,
  • provides you with the available options of coverage,
  • explains how the differences between the options affect you once you start using each insurance product
  • assists you 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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Wichita County Health

The percentage of adults including children having health insurance in Wichita County is within the average rate among its neighboring counties, and close to the statistics recorded in the whole state of Texas at 20.7% rate. In Wichita County, 1 out of 5 adults (<19%) and 9% of children are uninsured. Wilbarger County has the highest uninsured rate among the neighboring counties at 22% and Baylor County has the lowest, at 16%. Gaines County tops all counties in Texas with 36% rate of uninsured residents while Loving County has the least uninsured in Texas, at 11.4%.

Almost 1 in 5 adults (nearly 23,000 people) in Wichita County have problems with health.

About 30% of Wichita County population do not engage in physical exercise activities. While Texas has an average obesity rate of 31.4%, Wichita County emerges higher with 36% obese residents. Wichita County and Wilbarger County have the same obesity rate topping its neighboring counties. The county in the neighborhood with the least obese residents is Baylor County with 27%.

Wichita County has at least 1 health insurer that offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Among other insurances, health insurance is the most important and more than 21 thousand residents of Wichita County do not have proper coverage.

  2. Texas belongs to those states where sale of multiple types of health insurance and supplemental products is allowed. Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital indemnity, Accident & Health, etc. are available to Texans from which they can choose the coverage suitable to their particular needs, both medically and financially.

  3. Low income residents who cannot afford the cost of health insurance can apply for government subsidies that will significantly lessen the insurance expenses.

  4. Short term insurance is an economical alternative if you do not have pre-existing conditions. (Note: Some Texas multi-year short term health insurance plans offer coverage of certain pre-existing conditions after being insured for a year or more.)

Discuss your health insurance needs in Wichita County with a knowledgeable state-licensed Texas health insurance professional, carrying a variety of health insurance options from different insurers.

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,
  • explains how the differences between the options affect you once you start using each insurance product
  • assists you with the application process
  • does not affect your cost of insurance. (agent’s service is paid by the insurer)
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Health Insurance in Texas

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Wichita County Mortality and the End of Life Statistics

The average life expectancy in Wichita County is 75.4 years, slightly lower than the average in the whole state of Texas (79.2). Compared with the neighboring counties, Archer County has the highest life expectancy (80.3) of the bunch, while Baylor County has the lowest at 73.8 years. Statewide, Presidio County records the longest life span of 88.8 years and Donley County reports the shortest life span of 72.8 years.

In 2022, there were about 20,000 senior residents (65 and older) in Wichita County.

Life Insurance Facts:

  1. In 2021, 48% of Americans were not covered by any life insurance.

  2. The basis for life insurance premiums is the age of the insured in the beginning of the policy. Premiums throughout the span of the policy are usually lower when you get your insurance at a younger age.

Motor Vehicle Fatalities in Wichita County

The rate of motor vehicle fatalities in Wichita County is at 14.07 per 100,000 vehicles. This equates to about 14 deaths per year due to car accidents.

The Texas Department of Transportation (TxDoT) recorded 2,084 vehicular crashes in Wichita County for the year 2020, with 13 deaths. 37% of all driving fatalities in Wichita County were caused by driving under the influence of alcohol.

Final Expenses – Wichita County Funeral Home Cost

Funeral costs in and around Wichita County differ considerably. At an average price of more or less $7,000, Wichita County has the highest funeral cost among its neighboring counties, while Cotton County has the lowest average at approximately $4,000. Wichita County funeral prices are higher than the Texas state average funeral cost of around $6,200.

Life Insurance Analysis:

  1. Considering that 46% of Americans have savings of less than $10,000 upon their deaths, more than nine thousand Wichita County senior residents could leave their families burdened with the sudden funeral expenses. Instead of grieving, the bereaved loved ones have to find means to pay off the costs of the funeral. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Aside from the burial costs, the deceased frequently leave behind tax liabilities including debts for the family to settle.

  3. Term Life Insurance and Final Expense Insurance are the commonly preferred life insurance policies when it comes to covering the “final expenses” of up to $50,000

  4. For purposes of leaving money to the family, the most frequently chosen life insurance policies are the variations of Term Life Insurance and Cash Value insurance, like Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

Consult an experienced licensed Texas insurance professional, who has access to multiple insurers and types of coverage in Wichita County.

A Texas life insurance agent: analyzes your needs, researches the locally available options that fit your needs, explains how the differences between the available options may affect your decision, and assists you with the application process.

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

Life Insurance in Texas

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