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!
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!
- HARKER HEIGHTS INSURANCE
- What does Texas Department of Insurance do?
- Discounts Available for Harker Heights
- Companies for Harker Heights Insurance
- Rating Factors for Harker Heights Insurance
- Weather And Driving Conditions in Harker Heights
- Liability And Full Coverage Harker Heights Insurance
- Other Types of Insurance We Carry
- Commercial Auto -Harker Heights Insurance
- Nearby Cities And Neighborhoods In Harker Heights
- Sample Insurance Rates In Harker Heights
- SR22 Rates for Harker Heights
- What is full coverage insurance in Texas?
- Cheapest Full Coverage Rates for Harker Heights Insurance
- What types of insurance does Harker Heights Insurance offer?
- How can I request a quote for insurance at Harker Heights?
- Is there a contact number to discuss insurance options with Harker Heights?
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
- Why Your Credit Score Impacts Your Home and Auto Insurance Rates
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 |
What types of insurance does Harker Heights Insurance offer?
Harker Heights Insurance offers a range of insurance types, including auto insurance, home insurance, life insurance, and business insurance.
How can I request a quote for insurance at Harker Heights?
To request a quote, you can fill out the online form on our website or call us at the office during business hours.
Is there a contact number to discuss insurance options with Harker Heights?
For inquiries about insurance options at Harker Heights, please call us at 1.888.445.2793.
Additional Helpful Links
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Why Your Credit Score Impacts Your Home and Auto Insurance Rates
Your credit score plays a significant role in determining your home and auto insurance rates. Here are the key reasons why insurers consider your credit score when calculating premiums. For personalized advice, call us at 1.888.445.2793 or Text Us.
- Credit Score Reflects Financial Responsibility Insurance companies use your credit score as an indicator of your overall financial responsibility. A higher credit score suggests you are less likely to file claims, leading to lower insurance rates. To find out how your credit score affects your policy, Text Us for details.
- Correlation Between Credit Score and Risk Studies show a correlation between credit scores and the likelihood of filing insurance claims. Individuals with lower credit scores are statistically more likely to file claims, resulting in higher premiums to offset the increased risk. Call 1.888.445.2793 for tips on how to lower your rates.
- Impact on Payment History Your payment history is a key factor in your credit score. A history of late or missed payments may indicate potential future payment issues, prompting insurers to charge higher premiums. For advice on improving your payment history to lower your rates, Text Us today.
- Influence on Insurance Scoring Models Insurance companies use scoring models that incorporate your credit score to predict potential losses. These models consider factors like credit utilization and length of credit history to assess your risk profile. Contact us at 1.888.445.2793 to understand how your credit impacts your insurance score.
- Eligibility for Better Discounts A higher credit score can make you eligible for various insurance discounts, such as safe driver or bundled policy discounts. This can significantly reduce your home and auto insurance rates. For more information on how to maximize your discounts, Text Us now.
Last Updated on by Veronica Moss