Texas Grapevine Insurance Cost: Understanding the Factors Affecting Rates

When delving into Grapevine Insurance costs in Texas, several pivotal factors sway the final premiums. Vehicle make and model, driving history, age, and even credit score significantly impact insurance rates. In Grapevine, Texas, the average auto insurance premium stands slightly above the state average due to its proximity to urban areas. However, within Grapevine, specific neighborhoods or ZIP codes can affect rates differently due to varying risk factors, such as crime rates and traffic congestion. To secure the best rates, it’s crucial for Grapevine residents to leverage available discounts, maintain a clean driving record, and consider bundling policies for additional savings.

Maximizing Savings with Grapevine Insurance: Insider Tips and Tricks

Navigating Grapevine Insurance for optimal savings involves a strategic approach. Firstly, understanding the minimum coverage requirements in Texas is key; liability coverage is mandatory, but additional coverage, like comprehensive and collision, can provide added protection. Shopping around and comparing quotes from multiple insurers can unlock competitive rates. Moreover, leveraging telematics or usage-based insurance programs, where applicable, can reward safe driving habits with discounted premiums. Additionally, exploring loyalty discounts, bundling home and auto insurance policies, and maintaining a good credit score can further reduce Grapevine Insurance expenses. By proactively managing these variables, Grapevine residents can secure comprehensive coverage while optimizing savings.

Full Coverage Insurance in Grapevine

Full Coverage Insurance in Grapevine consists of two parts; Comprehensive and Collision. Comprehensive covers things like vandalism, theft, glass breakage, impact with an animal, and hail. Collision covers an impact with another vehicle or object

Company	Average Cost
National General	$143
Travelers	$145
Progressive Insurance	$149
Bristol West	$151
USAA	$151
American Family	$152
Allstate	$156
State Farm	$156

Affordable Auto Insurance in Grapevine

Liability Insurance is the bare minimum coverage required by law. Each state has different liability requirements. You may also add additional coverages onto your liability insurance, such as Uninsured Motorist and Medical Payments.

Company	Average Cost
Progressive Insurance	$80
The General	$81
Geico	$82
Mendota Ins. Company	$90
National General	$97
AssuranceAmerica	$100
USAA	$101
Farmers	$114
Nationwide	$118

Least Expensive With Clean Driving History Grapevine Insurance TX

Having a clean driving record, meaning no accidents, tickets or claims can save you on your insurance cost. Insurance companies give discounts for safe driving habits such as three year accident free discount, and Accident forgiveness.

Company	Average Rate
Acceptance RTR	$139
AssuranceAmerica	$144
Mendota Ins. Company	$144
21st Century	$148
Bristol West	$149
Nationwide	$149
Dairyland	$151
The General	$154
Farmers	$158

Affordable Auto Insurance in Grapevine

Accidents will stay on your driving record for up to 5 years depending upon the insurance company. This means you are paying a higher cost for insurance until the accident falls off.

Company	Average Cost
Bristol West	$150
Progressive Insurance	$151
Dairyland	$155
21st Century	$159
Nationwide	$159
National General	$165

Cheapest SR22 Auto Insurance in Grapevine, TX

Sr-22 Is often times is mistaken for being ‘expensive’. Most companies offer SR-22 filings for a flat fee of $25 per term, some companies like Dairyland Insurance charge $0 for the filing.

Company	Average Cost
Dairyland	$79
Progressive Insurance	$89
National General	$98
The General	$101
AssuranceAmerica	$106
Acceptance RTR	$112
Safeco	$112

Best Insurance With Bad Credit, Poor Credit in Grapevine, TX

Having poor credit will increase the premium for Auto Insurance because credit is used a a rating factor when determining the risk of the customer and their premium. Work on getting your credit score higher and you will see a decrease in your cost of insurance.

Company	Average Rate
Geico	$157
The General	$157
Progressive Insurance	$158
21st Century	$163
Mendota Ins. Company	$165

Grapevine Insurance

Females in their teens and mid 20s will see cheaper insurance rates that males. The average cost for insurance will start to get cheaper with the more driving experience a person has.

Company	Average Cost
Progressive Insurance	$129
Dairyland	$134
The General	$135
Bristol West	$136
Geico	$140
Mendota Ins. Company	$144

Best Car Insurance With Bundle / Homeowners Discount in Grapevine, TX

Bundling multiple policies together will help you save money on your Auto Insurance. Check with your insurance provider to see what other products they offer for bundling.

Company	Average Cost
Bristol West	$132
Assurance America	$138
Geico	$141
Acceptance RTR	$142
GAINSCO	$149
21st Century	$155
Dairyland	$155
The General	$156
Mendota Ins. Company	$159

Grapevine Insurance SR22 Non-owners

SR-22 insurance isn’t actually insurance but a certificate that proves you carry the minimum liability coverage required by your state. If you’re in Grapevine, Texas, and you’ve been asked to get an SR-22, it’s likely because of a driving infraction such as a DUI, driving without insurance, or a serious moving violation. Texas requires drivers to have liability insurance to cover damages or injuries one might cause in a car accident. The minimum coverage in Texas is usually referred to as 30/60/25 coverage:

• $30,000 for injuries per person, up to a total of $60,000 per accident
• $25,000 for property damage

Here’s how to obtain an SR-22 in Grapevine, Texas:

1. Contact Your Insurance Provider: Not all insurance companies offer SR-22 certificates, so you’ll need to check with yours. If they do offer it, they can file an SR-22 form on your behalf with the Texas Department of Public Safety (DPS).
2. Shop Around if Necessary: If your current insurer doesn’t offer SR-22 certificates or you’re not satisfied with their new quote (your rates will likely increase if you need an SR-22), shop around. Look for insurance companies specializing in high-risk insurance. Remember, though, the cheapest insurance might not always be the best choice; consider customer service and the company’s financial stability.
3. Pay the SR-22 Fee: There is a fee to file an SR-22, which can vary between insurance companies but is typically around $25. This fee is in addition to your insurance premium.
4. Maintain Continuous Coverage: Once you have your SR-22, you must keep your insurance policy active without any lapses. In Texas, you’re usually required to carry an SR-22 for about two years, but the exact duration can vary based on your situation.
5. Verify Your SR-22 Status: After your insurance company files your SR-22, verify with the Texas DPS that your SR-22 is on file and meets the state’s requirements. You don’t want to find out it wasn’t properly filed or there was an issue, leading to further complications with your driving privileges.
6. Follow Up: If there are any changes to your policy or you switch insurance providers, you need to ensure that your SR-22 is transferred correctly and remains in effect. Failure to do so could result in the suspension of your driver’s license.

Remember, the key to reducing your insurance costs after needing an SR-22 is to keep a clean driving record moving forward.

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Last Updated on March 25, 2024 by Marlon Moss