- Copperas Cove Insurance Weather And Driving Conditions
- Liability Insurance Requirements for Copperas Cove
- Top 10 Vehicles We Insure In Copperas Cove
- Copperas Cove Insurance Company Ratings AM Best And JD Power
- SR22 Insurance Rates In Copperas Cove
- Copperas Cove Insurance Companies We Represent
- How Age And Gender Affect Your Insurance Rates In Copperas Cove
- Copperas Cove Insurance Sample Rates
- INSURANCE SERVICES WE OFFER
Copperas Cove Insurance Weather And Driving Conditions
Weather can impact the driving conditions and the way you drive. If the roads are wet and rainy, that may cause slippery conditions and poor visibility. It is important that you prepare for the weather conditions and take appropriate actions to ensure you are safe and others around you are safe as well.
| Copperas Cove, Texas |
|---|
| Summer High: The July high is around 95 degrees |
| Winter Low: The January low is 37 degrees |
| Rain: 33 Inches of rain a year |
| Snow: 0 inches of snow per year |
Liability Insurance Requirements for Copperas Cove
The state minimum liability insurance requirements in Copperas Grove, Texas are 30/60/25. Liability protects others from you in the event of an accident, in this case there would be $30,000 each person for bodily injury and up to $60,000 per accident and $25,000 for property damage. You can choose to increase the liability limits on your Copperas Cove Insurance if you wish, or carry the minimum required.
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| Texas | 30/60/25 | $610 |
Top 10 Vehicles We Insure In Copperas Cove
Below are the top vehicles we insure in Copperas Grove Texas. Top on the list is the Honda, Buick and Toyota. These cars are all great on gas and generally reasonable to insure as far as cost. At the bottom of the list is the Volvo, Volkswagen and General Motors, this could be because the cost to insure is higher than others based on the cost of parts for these Models.
| Rank | Vehicle Make |
|---|---|
| 1 | Honda |
| 2 | Buick |
| 3 | Toyota |
| 4 | Acura |
| 5 | Hyundai |
| 6 | Subaru |
| 7 | Cadillac |
| 8 | Mazda |
| 9 | Ford F-Models |
| 10 | Volvo |
| 11 | Volkswagen |
| 12 | General Motors |
Copperas Cove Insurance Company Ratings AM Best And JD Power
Insurance companies are ranked using Am Best and JD power. Rankings are based on customer service, claims process, price, discounts available and much more. This is just like an online review, but from a reliable source that specializes in insurance companies. If you are considering a company, look them up using these sources to see how they rank and if they will be a good fit for you.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| Erie Insurance | 879 | A+ |
| Nationwide | 867 | A+ |
| Safeco (A division of Liberty Mutual) | 855 | A |
| Allstate Auto Insurance | 853 | A+ |
| Travelers | 865 | A++ |
| Automobile Club Group | 857 | A++ |
| Esurance | 844 | A+ |
| CSAA Insurance Group | 847 | A |
| COUNTRY Financial | 896 | A+ |
| MAPFRE Insurance | 842 | A |
| USAA | 900 | A++ |
| Farmers Insurance | 865 | A |
| NJM Insurance Co. | 875 | A+ |
SR22 Insurance Rates In Copperas Cove
SR-22 rates in Copperas Grove, Texas are generally the same anywhere else. The rates depend upon the insurance company, not the individual which is a common misconception. Usually, SR-22 is a one time $25 fee for each term, some companies like Dairyland, do not charge a fee, and others may charge a percentage of the premium.
Below is amount the amounts company adds to the premium to file the SR22 with the state:
| 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 |
Copperas Cove Insurance Companies We Represent
We represent several insurance companies, giving our customers options to fit their tailored needs. Each customer is unique and may require different coverages. Some well-known companies we work with include, Progressive, Travelers, Gainsco, and ASI. We also work with smaller companies like Mendota, and Suncoast Insurance. Smaller companies are often able to offer lower rates then larger corporate companies.
| Insurance Companies in Copperas Cove, Texas that We Represent |
|---|
| Safeway |
| Progressive |
| Foremost Star |
| ASI |
| Assurance America |
| Dairyland |
| Victory |
| Suncoast |
| USLI |
| Orion 181 |
| Bristol West |
| Gainsco |
| Mendota |
| Travelers |
| Best Choice |
| The General |
How Age And Gender Affect Your Insurance Rates In Copperas Cove
Age and gender do play a role in determining customers insurance rates in Copperas Cove An older female with extensive driving experience will receive cheaper insurance rates because they are less likely to be involved in an accident. Starting out, younger drivers are less experienced and more likely to cause an accident, or file a claim which will result in a higher premium.
| Age | Male | Female |
|---|---|---|
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
Copperas Cove Insurance Sample Rates
Below are sample rates our agents have insured in Copperas Grove, Texas. One instance, our agent was able to provide our female customer a rate of $149 for on her Jaguar. She was only needing liability insurance, but opted for Medical payments which pays out $5000 per person in the event of an accident.
| Sample Rates in Copperas Cove, Texas |
|---|
| Sample Quote/ Policy Location: Cleburne Agent: Jola Current Company: Bristol West Previous Company: Foremost Who: Client Age: 59 Vehicle: Jaguar XK Series Type of Coverage: , Med Pay Notes: ID Cards, Driver Rate: $148 |
| Sample Quote/ Policy Location: Cleburne Agent: Crystal Current Company: Bristol West Previous Company: Progressive Who: Resident Age: 67 Vehicle: Chevrolet Astro Passenger Type of Coverage: Liability , SR22 Notes: Speeding , Proof of Insurance Rate: $221 |
| Sample Quote/ Policy Location: Cleburne Agent: Crystal Current Company: Progressive Previous Company: Bristol West Who: Client Age: 33 Vehicle: Kia Sephia Type of Coverage: Liability , Med Pay Notes: Policy Rate: $181 |
| Sample Quote/ Policy Location: Cleburne Agent: Lauren Current Company: Bristol West Previous Company: Mendota Who: Female Age: 34 Vehicle: Honda Accord Type of Coverage: Med Pay Notes: State Filing, Multiple Fines Rate: $193 |
| Sample Quote/ Policy Location: Cleburne Agent: Katie Current Company: Travelers Previous Company: Geico Who: Homeowner Age: 21 Vehicle: Oldsmobile Ciera Type of Coverage: Liability, State Min Notes: Coverage, High Risk Rate: $248 |
| Sample Quote/ Policy Location: Cleburne Agent: Jola Current Company: Suncoast Previous Company: None Who: Client Age: 25 Vehicle: Suzuki X-90 Type of Coverage: Liability Only, SR22 Notes: Online, Coverage Rate: $305 |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
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Last Updated on by Lauren Mckenzie