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Auto Insurance Texas

Little Elm Insurance

We’ll find a little rate, in little time, with little stress!

What is 30 60 25 insurance in Texas?

The numbers 30 60 25 insurance in Texas correlate to the State minimum requirement for Liability Insurance. To break down the numbers, 30 will stand for $30,000 in coverage for Bodily Injury for one person, 60 stands for $60,000 in coverage for Bodily Injury per accident, and 25 will stand for $25,000 for Property Damage within the accident. Although this is the States minimum, it is always encouraged to increase those limits due to coverage not being enough within an accident.

Liability insurance will only pay for the injuries of the other party if you were found at fault, but only up to the limits you have set on your policy, anything that exceeds those limits will need to be paid out of pocket.

Texas Most Affordable Rate with Bad credit, poor credit for Little Elm Insurance

Typically anything lower than 601 is considered bad credit

With poor credit, your auto insurance rates can tend to be a bit higher. Here are some example rates of some companies with customers that have poor credit for Little Elm Insurance.

Little Elm Insurance CarrierAverage Cost
National General$152
21st Century$158
The General$159
Progressive Insurance$164
Assurance America$169
Bristol West$173
Little Elm Insurance

Texas Lowest Cost Auto Insurance With Bundle / Homeowners Discount for Little Elm Insurance

Bundling: Purchasing multiple insurance polices from one company

Did you know that bundling your auto policy with your home or renters can save you quite a bit on Little Elm Insurance? Check out some example rates below.

Little Elm Insurance CarrierAverage Cost
National General$131
The General$134
Acceptance RTR$143
Bristol West$144
21st Century$145
Assurance America$149
Progressive Insurance$156
Little Elm Insurance

Texas Cheapest Car Insurance With Clean Driving History for Little Elm Insurance

Having a clean driving history, really plays a huge rule in having great auto insurance rates. Check out some rates below for Little Elm Insurance.

Little Elm Insurance CarrierAverage Cost
21st Century$129
Bristol West$131
The General$135
Mendota Ins. Company$139
Progressive Insurance$142
Acceptance RTR$155
Little Elm Insurance

Texas – Little Elm Insurance Non-owners

If you’re looking for non-owner car insurance in Little Elm, Texas, you’re taking a proactive step towards being insured when you don’t own a vehicle but still drive occasionally. Non-owner car insurance is designed for individuals who do not own a vehicle but may need to maintain insurance coverage for various reasons, including keeping a continuous coverage history or needing to file an SR-22 for license reinstatement. Here are some steps and tips for finding non-owner car insurance in Little Elm, Texas:

Understand Non-Owner Insurance

  • Purpose: It provides liability coverage for bodily injury and property damage caused by the policyholder while driving a vehicle they do not own.
  • Limitations: It generally does not cover physical damage to the vehicle you’re driving (this would be the vehicle owner’s responsibility).

Why You Might Need It

  • Frequent Rental: You frequently rent cars.
  • Borrowing Cars: You regularly borrow cars from friends or family.
  • SR-22 Requirements: You need to file an SR-22 but do not own a vehicle.
Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Failure to Use Turn SignalMinor3 Years
Failure to YeldMinor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Driving without a LicenseMajor3 Years
No Proof of insuranceNon MovingNA*
At Fault AccidentMajor5 Years
Reckless DrivingMajor5 Years
Running a Traffic Light or Stop SignMinor3 Years
SpeedingMinor3 Years
DUIMajor10 Years
ParkingNon MovingNA*
Using a Cell Phone with DrivingMinor3 Years

Finding Non-Owner Insurance in Little Elm, Texas

  1. Local Insurance Agents: Start by contacting local insurance agents in Little Elm or nearby areas. They can provide personalized advice and help you find a policy that fits your needs.
  2. Texas Insurance Providers: Reach out to insurance providers in Texas that offer non-owner policies. Many major insurance companies offer this type of coverage.
  3. Online Quotes: Utilize online quote comparison tools specifically for Texas or nationwide to compare non-owner car insurance policies from different companies.
  4. SR-22 Filings: If you need the insurance for SR-22 filing, ensure the insurer is aware and offers this service, as not all companies file SR-22 forms.
  5. Read Reviews: Look for customer reviews or ratings of the insurance providers to gauge their customer service and claims handling.
  6. Understand the Coverage: Ensure you fully understand what the policy covers and any limitations or exclusions. Non-owner insurance typically includes liability coverage but may offer options for additional coverage.
Progressive Insurance$96
Mendota Ins. Company$98
Acceptance RTR$100
21st Century$107
The General$108
National General$110
American Family$112
Bristol West$112


  • Coverage Limits: Consider higher liability coverage limits for better protection, especially if you drive frequently.
  • Discounts: Ask about any discounts for which you may be eligible, such as for having a clean driving record.
  • Customer Service: Choose a company known for good customer service and claims handling for a smoother experience if you need to file a claim.

Remember, the cost and availability of non-owner car insurance can vary based on your driving history, how often you plan to drive, and other factors.

Impact on ratesDiscounts Available
MildPaperless Discount
HighAuto Pay
MildMulti Policy
HighPaid in Full
HighAdvanced Quote
HighNo Accidents or Violations

Least Expensive Cost With Good Credit for Little Elm Insurance

Are you a safe driver in Little Elm with a good driving record? The savings is tremendous. Here’s a little known fact!

FACT: Having a good credit score can affect your insurance rates in a great way! See some customers rates with good credit!

Little Elm Insurance CarrierAverage Cost
The General$145
Assurance America$147
Mendota Ins. Company$150
21st Century$152
Acceptance RTR$154
Progressive Insurance$160
Little Elm Insurance

Best Auto Insurance With DUI’s, Accidents, Violations that impact your Little Elm Insurance rate

An at-fault accident in TX can cause insurance rates to go up 42.7% for folks in Little Elm

DUI’s and accidents can stay affecting your auto insurance for up to 5 years or more. Below, are some examples of what customers pay with that on their record for Little Elm Insurance.

Little Elm InsuranceCarrierAverage Cost
21st Century$153
Assurance America$156
Mendota Ins. Company$162
Bristol West$163
The General$167
Acceptance RTR$170
Little Elm Insurance

Cheapest Liability Only Car Rate for Little Elm Insurance

Liability is required to have in every state. We have some example liability rates below with some companies in Little Elm, TX.

Little Elm Insurance CarrierAverage Cost
The General$86
Progressive Insurance$95
Acceptance RTR$105
National General$105
21st Century$108
Mendota Ins. Company$110
Liberty Mutual$118
Little Elm Insurance

Most Affordable Insurance For Female Drivers in Little Elm, TX

Female drivers typically save on their rates in comparison to male drivers in Little Elm Insurance. The stats do not lie! We have some example rates below with some insurance companies.

Little Elm Insurance CarrierAverage Cost
National General$128
Bristol West$132
Assurance America$136
Progressive Insurance$141
The General$141
21st Century$148
Acceptance RTR$148
Little Elm Insurance

What types of insurance does A Plus Insurance offer in Little Elm?

A Plus Insurance offers a range of insurance options in Little Elm, including auto, home, renters, and more. We shop multiple carriers to find the best rates tailored to your needs.

How can A Plus Insurance help me save on my insurance premiums in Little Elm?

A Plus Insurance can help you save on insurance premiums in Little Elm by shopping multiple carriers to find the most competitive rates. We work to tailor coverage to meet your budget.

Can I call A Plus Insurance at 1.888.445.2793 for more information about insurance in Little Elm?

Certainly! For more information about insurance in Little Elm or to get a personalized quote, feel free to call us at 1.888.445.2793.

Little Elm Insurance at a Glance: Helpful Information

Little Elm Zip Codes: 75036 | 75068 | 76227

Nearby Cities: Royse City, TX | Pottsboro, TX | Seagoville, TX

Neighborhoods In Little Elm, TX: Dominion at Lakeview, Eldorado Estates, Enclave at Lakeview

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Little Elm Insurance


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FAQs About Little Elm Auto Insurance at A Plus Insurance

What types of coverage are available for Little Elm Auto Insurance?

Little Elm Auto Insurance offers a range of coverage options, including liability, collision, comprehensive, and more. To explore the types of coverage available and determine what suits your needs, contact our office at 888-445-2793 for personalized guidance.

How can I save on my Little Elm Auto Insurance premiums?

Saving on your Little Elm Auto Insurance premiums is possible by considering factors such as bundling policies, maintaining a good driving record, and exploring discounts. To get expert advice on reducing your insurance costs, contact our office at 888-445-2793 for cost-saving strategies.

How do I obtain a free quote for Little Elm Auto Insurance through A Plus Insurance?

Getting a free quote for Little Elm Auto Insurance is easy with A Plus Insurance. Simply reach out to our office at 888-445-2793, and our experienced agents will assist you in obtaining a personalized quote based on your coverage needs and preferences. You can also visit our website to request a quote online for added convenience.

Who is known for cheapest car insurance?

The cost of car insurance can vary widely depending on various factors, including your location, driving history, and the coverage options you choose. There isn’t a one-size-fits-all answer to who offers the cheapest car insurance, as it depends on individual circumstances. It’s recommended to compare quotes from multiple insurance providers to find the most affordable option that meets your needs.

Last Updated on by Marlon Moss

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