Young couple smiling and getting life insurance information from a qualified agent

What Do Texans Find Most Important About Life Insurance?

For many people, the answer to that question is “family.” It’s important to protect your family and provide for them. But ask yourself: What will happen to your family when you are gone?

Good news, then: Cheap Life insurance quotes are easier to get than ever before, and life insurance itself is far more affordable than you ever imagined!

Affordable Life Insurance Quotes in Texas

Is this your first time getting information about life insurance? If so, you may be curious about how to get the process started. With Baja life insurance, the first step is to get life insurance quotes.

How can you get life insurance quotes? At Baja, we make it easy for you to get quotes online at the click of a button. You can also call our insurance representatives by phone or visit our local offices at your convenience.

We are proud to help you compare quotes with multiple carriers so that we can help you save even more time and money!

Can I Compare Quotes for Life Insurance?

Even if you are completely new to life insurance, there are certain common-sense ideas that apply. One of those ideas is that you shouldn’t accept the first offer that you get!

As with your renters’ insurance or health insurance, we always recommend getting quotes from multiple insurance carriers before deciding on a policy. This helps you ultimately save money while also exploring all of the different coverage types that may benefit you and your family.

Here at Baja, we are ready to help you get quotes from a wide variety of different insurance companies. When you contact us, our top priority is finding the best ways to save you time and money!

Can I Buy Life Insurance Online?

Some who don’t have life insurance have held off because they think they don’t have enough money. Others are worried about something else: not having enough time to apply for insurance and complete the paperwork.

However, one way to save both time and money is to buy your life insurance online. At Baja, you can do more than get affordable quotes online. You can also complete all relevant paperwork and buy a great policy without visiting the insurance company.

This way, even the busiest of people can find the time to get life insurance coverage. In fact, you can get the process started during your lunch break and be finished before you have to return to work!

Is Life Insurance Affordable in Texas?

We like to tell our customers about their affordable life insurance options. Sometimes this comes as a surprise because many people simply assume that life insurance will be very expensive.

What, then, makes a life insurance policy affordable? It’s a bit like car insurance: The type of coverage you choose and the options related to that coverage (for example, the amount of the death benefit) play a major role in how much you pay each month.

If making life insurance more affordable is a priority for you, we recommend that you contact a Baja Auto Insurance representative by phone or visit one of our local offices. We are happy to discuss your particular needs and budget and offer you a life insurance policy with good coverage that doesn’t break the bank.

Life Insurance Options

If life insurance options play a major role in how much you pay for your premium, then what are your options? While there are very many life insurance options to choose from, most people opt for one of two types of coverage.

The first type of coverage is term life insurance. This type of insurance protects you for a specified period of time (usually 10 to 30 years). During this time period, your premiums will not go up. However, if the term expires and you want another term, you will need to qualify again and most likely pay a higher monthly premium.

The second type of coverage is whole life insurance. Unlike term life insurance, whole life insurance protects you for the entirety of your life, and your policy builds a cash value over time that you can eventually borrow against. However, the premiums are likely to be higher than term life insurance, and the death benefit is usually smaller.

Which policy is better? Obviously, each type of coverage has its own pros and cons. But term life insurance is usually more affordable because you get up to three decades of coverage when you are relatively young and healthy and effectively lock in a very affordable rate.

What Is the Average Cost of Life Insurance in Texas?

Another thing that life insurance and car insurance have in common is this: Nobody wants to pay too much for life insurance coverage. But how much is too much?

The honest answer is that no two life insurance plans are the same. That means that each person must decide which plan best suits both their needs and their budget.

However, we can tell you the average cost of life insurance. Believe it or not, the average price is only $26 per month! This is because most who purchase life insurance take out a policy when they are in their 40s or younger, and they take out term life insurance policies with at least 20 years of coverage.

This helps them get a competitive life insurance rate while they are relatively young and healthy — and they can keep that rate for up to 30 years!

Get Cheap Life Insurance in Texas Today

Now you know the most important aspects of a good life insurance policy. But do you know where you can find the policy you deserve?

If you’d like a convenient life insurance quote from Baja Auto Insurance, you can simply request a quote online or come into one of our local offices and chat with us. You can also pick up the phone and give us a call at 800-401-6870. We look forward to hearing from you!