AUTO INSURANCE TEXAS
HARKER HEIGHTS INSURANCE
We don’t want your insurance rates to reach new HEIGHTS! Shop with us here for Harker Heights Insurance at A Plus Insurance!
Discounts Available for Harker Heights Insurance
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
| 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 |
| 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 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 Harker Heights Insurance we carry.
| 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 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
| 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 Rates for Harker Heights Insurance
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 |
Cheapest Full Coverage Rates for Harker Heights Insurance
| 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 by Treasure Coleman