Hurst Insurance: Auto Insurance Guide
- Cheapest Rates By Age and Gender
- Cheapest Liability Hurst Insurance Rates
- Discounts Available By Company
- Cheapest Full Coverage Hurst Insurance Rates
- Violations and How They Affect Your Hurst Insurance Premium
- Hurst Insurance Tips and Tricks for a shopper
- The Reliability of Online Home and Auto Insurance Quotes
- Top Home and Auto Insurance Policies for New Homeowners
- What types of insurance does A Plus Insurance offer in Beaufort, SC?
- How can A Plus Insurance help clients find the best rates among different carriers in Beaufort, SC?
- Interested in discussing insurance options with A Plus Insurance in Beaufort, SC? How can I contact you?
- Does comprehensive mean full coverage?
- What Our Customers Say…
- Additional Helpful Links
- What We Do at A Plus Insurance
Cheapest Rates By Age and Gender
Age and gender do affect the cost of insurance because of statistics. Typically, younger drivers, and males in particular, pay more in insurance because of the amount of accidents/claims and the cost per each claim is higher than experienced drivers. Studies also show that males tend to drive more on the roads. We listed the age and genders and the amount they typically can pay for Hurst Insurance.
| Age | Male | Female |
|---|---|---|
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
Cheapest Liability Hurst Insurance Rates
Liability rates vary depending on the individual and other rating factors, but on average, Progressive is the cheapest insurance company for liability coverage in Hurst. Travelers is the most expensive, averaging $124. Check out some other companies and their average price for Hurst Insurance.
| Rank | Company | Average Cost |
|---|---|---|
| 1 | Progressive | $85.00 |
| 2 | Dairyland (Viking) | $97.00 |
| 3 | Bristol West | $104.00 |
| 4 | Liberty Mutual | $110.00 |
| 5 | Mendota | $113.00 |
| 6 | The General | $118.00 |
| 7 | Travelers | $124.00 |
Discounts Available By Company
Each insurance company is able to offer discounts to customers. The discounts are rated differently, some saving more money than others. Check above to see if you could be saving more on your auto insurance with the discounts available! Call today and see what kind of discounts you can get!
| Progressive | Dairyland | Mendota / Advantage Auto | Travelers |
|---|---|---|---|
| Multi Vehicle | Married | No Accidents or Violations | Married |
| Multi Policy | Auto Pay | Auto Pay | Auto Pay |
| Paid in Full | Multi Policy | Paid in Full | Homeowners |
| Auto Pay | No Accidents or Violations | Homeowners | Multi Policy |
| Education Discount | Homeowners | Married | Continuous Insurance |
| Continuous Insurance | Continuous Insurance | Continuous Insurance | Multi Vehicle |
| No Accidents or Violations | Paid in Full | Multi Vehicle | No Accidents or Violations |
| Military | Multi Vehicle | Paid in Full | |
| Married | Military | ||
| Paperless Discount | |||
| Homeowners | |||
| Advanced Quote |
Cheapest Full Coverage Hurst Insurance Rates
On average, customers pay $120-$200 a month on full coverage insurance in Hurst, Texas. The rates vary depending upon the customers driving history, and the different full coverage options selected. Below, you will see a list of companies and their average prices.
| Rank | Company | Average Price |
|---|---|---|
| 1 | Progressive | $125.00 |
| 2 | Bristol West | $137.00 |
| 3 | The General | $145.00 |
| 4 | Mendota | $150.00 |
| 5 | Travelers | $158.00 |
| 6 | Liberty Mutual | $191.00 |
| 7 | Dairyland (Viking) | $210.00 |
Violations and How They Affect Your Hurst Insurance Premium
Minor violations stay on your record and affect the cost of insurance for 3 years, while major violations stay on for 5 years. Just a speeding ticket could increase your insurance premium by $20 or so a month, accidents will cost you much more. The list below shows different violations and how they can affect your insurance.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Failure to Use Turn Signal | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
| Reckless Driving | Major | 5 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Speeding | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Parking | Non Moving | NA* |
| At Fault Accident | Major | 5 Years |
Hurst Insurance Tips and Tricks for a shopper
- Understand Your Insurance Needs: Before you start shopping, assess your insurance needs. Consider factors such as the type of coverage you require, the value of your assets, and any specific risks you want to protect against.
- Research Local Insurance Providers: Look for insurance companies that operate in Hurst or have a strong presence in the Texas market. Local insurers may offer specialized coverage options tailored to the region’s needs and may be more familiar with local regulations.
- Compare Multiple Quotes: Obtain quotes from several insurance companies to compare coverage options and premiums. Be sure to provide accurate information to each insurer to receive quotes that accurately reflect your risk profile.
- Consider Bundling Policies: If you need multiple insurance policies (such as auto and home insurance), consider bundling them with the same insurer. Bundling policies often leads to discounts, potentially saving you money on your premiums.
- Review Coverage Options: Understand the coverage options available and choose those that best meet your needs. For example, when purchasing motorcycle insurance, consider coverage for bodily injury liability, property damage liability, collision, comprehensive, and uninsured/underinsured motorist protection.
- Evaluate Deductibles: Your deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Higher deductibles typically result in lower premiums but also mean you’ll pay more in the event of a claim. Consider your budget and risk tolerance when selecting a deductible.
- Check for Discounts: Inquire about available discounts that can help lower your insurance premiums. Common discounts include multi-policy discounts, safe driver discounts, claims-free discounts, and discounts for safety features or home security systems.
- Review Customer Satisfaction Ratings: Look up customer reviews and satisfaction ratings for insurance companies you’re considering. Websites like J.D. Power, Consumer Reports, and the Better Business Bureau can provide insights into customer experiences with different insurers.
- Ask About Coverage Limits: Make sure the coverage limits offered by each insurer are sufficient to protect your assets and provide financial security in the event of a claim. Consider factors such as the value of your home, vehicles, and personal belongings when determining coverage limits.
- Review Policy Terms and Conditions: Carefully review the terms, conditions, and exclusions of each insurance policy before making a decision. Pay attention to any limitations or restrictions that may affect your coverage.
The Reliability of Online Home and Auto Insurance Quotes
- Accuracy Depends on the Information Provided – Online insurance quotes are only as accurate as the information you provide. To get a reliable quote, make sure you enter complete and correct details about your home, vehicle, and personal information. Inaccuracies can lead to different rates when you finalize the policy. Text Us for assistance in providing the right information.
- Quotes May Not Include All Discounts – Many online quotes do not account for all possible discounts, such as multi-policy, good driver, or safety features discounts. Speaking directly with an agent can uncover additional savings not reflected in the online quote. Call us at 1.888.445.2793 to explore potential discounts that may apply to you.
- Premiums Can Change After a Detailed Review – Online quotes are often based on preliminary information and can change after an in-depth review by the insurance company. Factors like your credit score, claims history, and inspection results can influence the final premium.
- Use Reputable Insurance Websites – To get trustworthy online quotes, use well-known insurance company websites or comparison sites. Be cautious of unknown or less reputable websites that may provide inaccurate quotes or collect your information for marketing purposes.
- Verify Coverage Details – Not all online quotes are clear about what is included in the coverage. Always review the coverage options provided in the quote to ensure they meet your needs. Text Us if you need help understanding the coverage details in an online quote.
- Contact an Agent to Confirm the Quote – While online quotes are a great starting point, it’s important to speak with an insurance agent to confirm the details and finalize your coverage. An agent can verify the information and answer any questions you might have, ensuring the quote’s reliability.
- Consider Using Online Quotes as a Comparison Tool – Use online quotes to compare rates between different insurance providers. However, keep in mind that the cheapest quote isn’t always the best. Look for value in terms of coverage, customer service, and claims support.
- Be Aware of Hidden Fees – Some online quotes may not include all fees, such as administrative or policy processing fees. Make sure to ask for a full breakdown of costs when finalizing your policy to avoid unexpected expenses.
Top Home and Auto Insurance Policies for New Homeowners
- Comprehensive Home & Auto Bundle: Save on premiums by bundling home and auto insurance. This policy offers extended dwelling coverage, personal liability protection, and full coverage for vehicles. Great for new homeowners looking for maximum protection across home and auto. Text Us for details.
- First-Time Homeowner Policy: Tailored for new homeowners, this policy includes affordable premiums, replacement cost coverage for home and belongings, and optional add-ons like flood and earthquake coverage. Call us at 1.888.445.2793 to learn more about these unique benefits.
- High-Value Home Protection: Designed for properties with higher values, this policy includes extended replacement cost coverage, high liability limits, and robust coverage for valuable items. Perfect for protecting your investment. Text Us to see if this option is right for you.
- Low Deductible Policy: Offers a lower deductible option, which can be helpful for new homeowners managing their finances. Includes essential coverages for home and auto, with options for customized deductibles. Call us at 1.888.445.2793 for more details on low-deductible options.
- Eco-Friendly Home Coverage: Ideal for homeowners with energy-efficient or eco-friendly homes. Offers discounts for sustainable building materials and energy-saving features, along with comprehensive coverage. Text Us to find out if you qualify for this specialized policy.
- Standard Homeowner’s Policy with Liability Coverage: Provides broad coverage for the home, personal belongings, and includes liability protection. Optional umbrella coverage is available for additional liability limits. Call us at 1.888.445.2793 to discuss liability options.
- Auto and Home Safety Package: Get discounts for having safety features in your home, like smoke detectors and alarm systems, and additional vehicle safety discounts. This package is excellent for new homeowners focused on safety. Text Us for more information on safety-related discounts.
- Military and Veteran Homeowners Policy: Specially designed for military families and veterans, this policy includes discounts for service members, flexible payment options, and affordable coverage across home and auto insurance. Call us at 1.888.445.2793 to see if you qualify.
- Flood and Disaster Protection Policy: Provides add-on flood, earthquake, and other disaster protections, tailored for new homeowners in high-risk areas. Essential for added peace of mind. Text Us to discuss disaster-specific coverage options.
- Flexible Premium Payment Policy: Offers flexible payment schedules, which can be helpful for new homeowners adjusting to mortgage payments. This policy provides standard home and auto coverage with options for monthly or quarterly payments. Call us at 1.888.445.2793 for payment plan options.
What types of insurance does A Plus Insurance offer in Beaufort, SC?
A Plus Insurance offers various types of insurance, including home, auto, life, and business insurance in Beaufort, SC.
How can A Plus Insurance help clients find the best rates among different carriers in Beaufort, SC?
A Plus Insurance compares multiple carriers to assist clients in finding the most competitive insurance rates in Beaufort, SC.
Interested in discussing insurance options with A Plus Insurance in Beaufort, SC? How can I contact you?
Feel free to contact A Plus Insurance at 1.888.445.2793 to discuss insurance options and find the best rates in Beaufort, SC.
Does comprehensive mean full coverage?
No, comprehensive coverage and full coverage are not the same. Comprehensive coverage typically covers damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, natural disasters, and more. Full coverage, on the other hand, usually includes both comprehensive and collision coverage, in addition to liability coverage. It’s essential to review your policy details with A Plus Insurance to understand your coverage and determine the best options for your needs.
What Our Customers Say…
Additional Helpful Links
For personalized insurance advice, call us at 1.888.445.2793.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Marlon Moss