What does Texas Department of Insurance do?

The Texas Department of Insurance serves as the regulatory body overseeing insurance practices within the state, ensuring compliance with laws and protecting consumers’ interests. They play a pivotal role in licensing insurance agents, reviewing policy forms, and mediating disputes, all aimed at maintaining a fair and transparent insurance market.

Discounts Available for Harker Heights

There are several auto insurance discounts available for customers shopping for Harker Heights Insurance. The heaviest weighted discount is continuous insurance – meaning at least 6 months of continuous coverage and no longer than a 31 day lapse. This shows insurance companies you have carried insurance and are in good standing. Some smaller discounts include, married discount, multi policy, multi vehicle, and education discount.

Impact on Rates	Discounts Available
Mild	Married
Mild	Paperless Discount
Mild	Multi Policy
Mild	Multi Vehicle
High	Advanced Quote
High	No Accidents or Violations
Mild	Education Discount
Very High	Continuous Insurance
Mild	Homeowners

Companies for Harker Heights Insurance

In Harker Heights, Texas we work with 16 different insurance companies to provide our customers with a competitive price. We are able to shop all of these insurance providers in order to guarantee the cheapest price available. Some well known companies include Progressive, Travelers, Dairyland and Foremost Star (apart of the Farmers group). Some smaller companies include Victory, Mendota and Assurance America.

Harker Heights Insurance

USLI

Mendota

Dairyland

Bristol West

Foremost Star

Safeway

Travelers

Orion 181

Assurance America

Victory

The General

Best Choice

Gainsco

ASI

Progressive

Suncoast

Rating Factors for Harker Heights Insurance

Rating factors are used to help insurance companies determine the insurance premium based upon the risk. Driving Record is a heavily weighted factor these companies use. They look at the history of driving to determine wither or not this potential customer will cost them a lot in claims in the future. Typically, they want to insure a customer with a clean record, offering them lower premiums.

Factor	Rate Impact
Vehicle Make and Model	Medium
Driving Record	High
Insurance History	Medium
How Many Drivers Per Vehicles Listed	Medium
Profession	Low
Education	Low
Lienholder	None
Vehicle Performance (Symbol)	Medium
Type of Vehicle Coverage	Medium
Credit history	High

Weather And Driving Conditions in Harker Heights

Driving conditions can be diverse in Harker Heights, Tx. Summer months tend to be high in temperature, while winter months can be low with freezing temperatures causing some ice on the road. It is important to be aware of the driving conditions and make sure you are prepared. This includes preparing for a break down, and also leaving yourself enough time to get to your destination safely.

Harker Heights, Texas
Summer High: The July high is around 96 degrees
Winter Low: The January low is 27 degrees
Rain: 34 Inches of rain a year
Snow: 0 inches of snow per year

Liability And Full Coverage Harker Heights Insurance

Liability insurance in Harker Heights in comparison to the State of Texas is generally more expensive. The average rate in Harker is $637 whereas the state average is $510. This could be because of the amount of accidents/insurance claims in the area causing it to be more expensive in that particular zip code. You’ll also notice, on average full coverage is higher than the state average as well.

Full Harker Heights Insurance is way more expensive to liability insurance because it doesn’t just contain bodily injury and property damage but rather it also includes having comprehensive and collision coverage as well.

A main reason why most people get full coverage is because in case of an accident and you’re needing to repair or replace your vehicle you would have the means to do so. Collison coverage can come in handy because it covers repair or replacement costs if any event you are in an accident, drive into an object, or flip your car. While as comprehensive coverage takes car of any costs if your car is damaged by falling objects, natural disasters such as floods or fires, theft, vandalism, or animals.

Liability Insurance Rates in Harker Heights	Liability State Average
$637.20	$510.15

Full Coverage Insurance in Harker Heights	Full Coverage TX average
$1,167.35	$934.59

Other Types of Insurance We Carry

We offer several different types of insurance aside from Auto Insurance. Some include, commercial insurance, business insurance, renters, home, and motorcycle. We have worked hard to become licensed to offer all of these products so we can better serve our customers. Typically, if you bundle multiple policies you will receive a discount from the insurance provider which helps save you money.

Type of Coverage	Our Top Companies
Car Insurance	Progressive, Dairyland,
RV Insurance	Progressive, Travelers
Commercial Auto Insurance	Progressive
Motorcycle Insurance	Dairyland, Progressive
Renters Insurance	ASI, Foremost
Boat Insurance	Travelers, Progressive
Business Insurance	BTIS, Hiscox

Commercial Auto -Harker Heights Insurance

When looking for Commercial auto Harker Heights Insurance is necessary if you’re ever needing to get insurance for your trucking company. There are also many different types of trucking insurance depending on what you need such as if you’re needing insurance to haul hazardous there would typically mean that more requirements are necessary. The types of insurance you can get are bobtail insurance, limited depreciation coverage, mechanical breakdown coverage, motor truck cargo insurance, motor truck general liability coverage, non trucking liability insurance , and many more.

Nearby Cities And Neighborhoods In Harker Heights

We are also proud to serve in neighboring cities, such as Kileen, Belton, Temple and Georgetown Texas. If you know someone in these areas, please refer them to us for a free quote. As some may know, insurance rates are also based upon neighboring zip codes, and the amount of accident/claims in that area as well with your zip code.

Neighborhoods in Harker Heights, Texas	Cities Near Harker Heights	Zip Codes in Harker Heights
Briarwood	Kileen, TX	76513
Highland Oaks	Belton, TX	76548
Sun Meadows	Temple, TX
Sutton Place	Georgetown, TX

Sample Insurance Rates In Harker Heights

We have provided sample Harker Heights Insurance for car rates from current customers in Harker Heights, Texas. One particular customer switched to us from American Family, they received a continuous insurance discount. The customer was 61 years old and had a clean driving history. We were able to offer a low rate considering the city average because the risk for this customer was considered favorable to the insurance company.

Sample Rates in Harker Heights, Texas
Sample Quote / Policy Location: Cleburne Agent: Lauren Current Company: Progressive Previous Company: American Family Who: Resident Age: 61 Vehicle: Daewoo Lanos Type of Coverage: Broad Form , Uninsured Motorist Notes: Snapshot, Now Rate: $283
Sample Quote / Policy Location: Cleburne Agent: Katie Current Company: Bristol West Previous Company: Mendota Who: Client Age: 60 Vehicle: Chrysler TC Type of Coverage: Liability Only, Uninsured Motorist Notes: By Phone, Print Rate: $180
Sample Quote / Policy Location: Cleburne Agent: Jola Current Company: Mendota Previous Company: Viking Who: Driver Age: 61 Vehicle: Subaru Outback Type of Coverage: Full Coverage, State Min Notes: Multiple Lines, Print Rate: $261
Sample Quote / Policy Location: Cleburne Agent: Amy Current Company: The General Previous Company: Liberty Mutual Who: Client Age: 63 Vehicle: Toyota Solara Type of Coverage: Non Owners, SR22 Notes: Quotes, Multiple Lines Rate: $248
Sample Quote / Policy Location: Cleburne Agent: Crystal Current Company: Dairyland Previous Company: Who: Driver Age: 44 Vehicle: Toyota Tacoma Regular Cab Type of Coverage: Full Coverage, State Min Notes: Insurance Card, Estimate Rate: $336
Sample Quote / Policy Location: Cleburne Agent: Jola Current Company: Viking Previous Company: DairyLand Who: Male Age: 66 Vehicle: Ford Explorer Type of Coverage: Broad Form, Med Pay Notes: High Risk, Driver Rate: $196

SR22 Rates for Harker Heights

Harker Heights Insurance for SR-22 is simply an attachment added to an insurance policy letting the State know that insurance is being carried. Usually, the fee is $25 for the full insurance term, but does depend upon the company. When the SR-22 is added on, the state is notified, and if the policy ever cancels, they are also notified of the cancellation.

Company	Average (SR22 Fee)
Assurance America	$25
Bristol West	$35
Dairyland	Free
Gains Co	$25
Mendota	$25
Progressive	5% (Average)
State Farm	SR22 Not Available
The General	$25
Travelers	SR22 Not Available

What is full coverage insurance in Texas?

Full coverage insurance in Texas will include Texas’ state minimum requirements along with Comprehensive and Collison coverage.

Collision coverage will cover damages that occurred during an accident with another vehicle or immovable object such as a light pole.

Comprehensive coverage will pay for any damages that occurred to the vehicle such as fire, flood, theft, a deer hitting the car, a tree branch falling, etc.

Expenses for the damages will be paid after the insured has paid their set deductible on the policy to the insurance provider. Do keep in mind though that full coverage will not cover mechanical breakdowns or electrical issues unless it was caused at the time of the accident!

Cheapest Full Coverage Rates for Harker Heights Insurance

The cheapest full coverage rate was provided through Travelers Insurance, at $135 a month. The price does depend on the risk (the customer) and the rating factors. Rating factors include – driving history, type of vehicle, type or coverages, etc. Dairyland Insurance came in the most expensive at $209/month. The rates do depend upon the states as well – some companies come in cheaper in different states.

Rank	Company	Average Price
1	Travelers	$135.00
2	Mendota	$138.00
3	Progressive	$142.00
4	The General	$144.00
5	Bristol West	$159.00
6	Liberty Mutual	$192.00
7	Dairyland (Viking)	$209.00

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Last Updated on March 20, 2024 by Alexis Karapiperis