Auto Insurance Tips and Helpful Information In Harker Heights, Texas
- Auto Insurance Tips and Helpful Information In Harker Heights, Texas
- Discounts Available In Harker Heights
- Insurance Companies We Represent In Harker Heights
- Insurance Rating Factors In Harker Heights
- Weather And Driving Conditions in Harker Heights
- Liability And Full Coverage In Harker Heights
- Other Types Of Insurance We Carry In Harker Heights
- Nearby Cities And Neighborhoods In Harker Heights
- Sample Insurance Rates In Harker Heights
- SR22 Insurance Rates In Harker Heights
- Cheapest Full Coverage Insurance Rates in Harker Heights
Discounts Available In Harker Heights
There are several auto insurance discounts available for customers shopping for insurance in Harker Heights. 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 |
Insurance Companies We Represent In Harker Heights
| Insurance Companies in Harker Heights, Texas that we represent |
| USLI |
| Mendota |
| Dairyland |
| Bristol West |
| Foremost Star |
| Safeway |
| Travelers |
| Orion 181 |
| Assurance America |
| Victory |
| The General |
| Best Choice |
| Gainsco |
| ASI |
| Progressive |
| Suncoast |
Insurance Rating Factors In Harker Heights
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 |
| lien holder | None |
| vehicle performance (symbol) | Medium |
| Type of Vehicle Coverage | Medium |
| Credit history | High |
Weather And Driving Conditions in Harker Heights
| 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 In Harker Heights
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.
| 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 In Harker Heights
| 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 |
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
| 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: 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: Diaryland Who: male Age: 66 Vehicle: Ford Explorer Type of coverage: broad form , med pay Notes: high risk, Driver Rate: $196 |
SR22 Insurance Rates In Harker Heights
SR-22 Insurance 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 |
Cheapest Full Coverage Insurance Rates in Harker Heights
| 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 |
Last Updated on August 30, 2021 by Katie Sopko