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
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!

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 RatesDiscounts Available
MildPaperless Discount
MildMulti Policy
MildMulti Vehicle
HighAdvanced Quote
HighNo Accidents or Violations
MildEducation Discount
Very HighContinuous Insurance
Harker Heights Insurance

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
Bristol West
Foremost Star
Orion 181
Assurance America
The General
Best Choice

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.

FactorRate Impact
Vehicle Make and ModelMedium
Driving RecordHigh
Insurance HistoryMedium
How Many Drivers Per Vehicles ListedMedium
Vehicle Performance (Symbol)Medium
Type of Vehicle CoverageMedium
Credit historyHigh
Harker Heights Insurance

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 HeightsLiability State Average
Full Coverage Insurance in Harker HeightsFull Coverage TX average

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 CoverageOur Top Companies
Car InsuranceProgressive, Dairyland,
RV InsuranceProgressive, Travelers
Commercial Auto InsuranceProgressive
Motorcycle InsuranceDairyland, Progressive
Renters InsuranceASI, Foremost
Boat InsuranceTravelers, Progressive
Business InsuranceBTIS, Hiscox
Harker Heights Insurance

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, TexasCities Near Harker HeightsZip Codes in Harker Heights
BriarwoodKileen, TX76513
Highland OaksBelton, TX76548
Sun MeadowsTemple, TX
Sutton PlaceGeorgetown, 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.

CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
Gains Co$25
Progressive5% (Average)
State FarmSR22 Not Available
The General$25
TravelersSR22 Not Available
Harker Heights Insurance

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.

RankCompanyAverage Price
4The General$144.00
5Bristol West$159.00
6Liberty Mutual$192.00
7Dairyland (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.

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Last Updated on by Alexis Karapiperis

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