Nacogdoches Insurance: Violations And There Impact
Violations impact your Nacogdoches insurance premiums, but the price depends on the type of violation. Minor Violations stay on your record for three years, and major violations stay on for 5 years.
Violation Name
Major, Minor, or Non Moving
How Long it Will Affect Your Insurance Rates
Expired Tags
Non Moving
NA*
Failure to Yeld
Minor
3 Years
Failure to maintain Clear Distance (tailgating
Minor
3 Years
DUI
Major
10 Years
At Fault Accident
Major
5 Years
Failure to Secure Load to truck/trailer
Minor
3 Years
Failure to Stop for a Pedestrian Side walk
Minor
3 Years
Failure to Use Turn Signal
Minor
3 Years
Parking
Non Moving
NA*
Non-At-Fault Acccident
Minor
NA*
Failure to Use a Seat Belt
Non Moving
NA*
No Proof of insurance
Non Moving
NA*
Nacogdoches Insurance: Liability and Full Coverage Rates
Whether you need liability only, or full coverage car insurance on your vehicle, we can do multiple quotes to compare your options. See the table below for quote for both in Nacogdoches, Texas.
Liability Insurance rates in Nacogdoches
Liability State Average
$750.48
$510.15
Full Coverage Insurance in Nacogdoches
Full Coverage TX average
$1,374.88
$934.59
Nacogdoches Insurance: SR-22
SR-22 Insurance is an attachment added onto a policy letting the state know that you are carrying insurance. Most companies charge a one time $25 filing fee, but it does vary depending on the company.
To find insurance providers in Nacogdoches, Texas, who offer SR-22 filings, you can follow these steps:
Research Local Insurance Companies: Look for insurance companies in Nacogdoches, Texas, that offer auto insurance services. You can search online, check local business directories, or ask for recommendations from friends, family, or acquaintances.
Contact Insurance Agencies: Reach out to insurance agencies in Nacogdoches and inquire about their SR-22 filing services. Provide them with details about your situation, including why you need an SR-22 and any relevant information about your driving history.
Get Quotes: Request quotes for SR-22 insurance from multiple insurance agencies to compare rates and coverage options. Make sure to provide accurate information to get an accurate quote.
Verify SR-22 Filing: Ensure that the insurance agency is authorized to file SR-22 forms with the Texas Department of Public Safety (DPS) or the relevant state agency. Verify the process for filing and any associated fees.
Choose a Policy: Once you’ve compared quotes and found a suitable insurance policy that meets your needs and includes SR-22 filing, purchase the policy from the chosen provider.
Maintain Coverage: Keep your SR-22 insurance policy active and ensure timely premium payments to avoid any lapses in coverage. Failure to maintain continuous insurance coverage could result in further penalties, including license suspension or fines.
Follow Legal Requirements: Understand the legal requirements for SR-22 insurance in Texas and comply with all regulations set forth by the state. This may include maintaining the SR-22 filing for the required period and informing the state if there are any changes to your insurance coverage.
By following these steps, you can find insurance providers in Nacogdoches, Texas, who offer SR-22 filings and ensure that you meet the necessary legal requirements for driving with an SR-22.
Car Insurance premiums are based upon zip codes and surrounding zip codes, and the number of accidents/claims in that area.
Neighborhoods in Nacogdoches, Texas
Cities Near Nacogdoches
Zip Codes in Nacogdoches
Alazan
Lufkin, Texas
75961
Fredonia Hill
Henderson, Texas
75962
Bonita Junction
Jacksonville, Texas
75963
Orton Hill
Kilgore, Texas
Nacogdoches Insurance: How Age And Gender Affect Your Insurance
Typically, the more experienced of a driver you are, the cheaper your car insurance rates will be. Females and Males in their mid 30s begin to see the greatest savings, whereas young males in their teens will pay more in car 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
Nacogdoches Insurance Companies We Represent
Below is a list of Insurance companies that we represent near Nacogdoches, Texas. We work with well known companies such as Progressive, and Travelers as well as smaller companies offering competitive pricing.
Liability Insurance Requirements in Nacogdoches, Texas
The State Minimum Liability requirements in Texas is 30/60/25. The limit is $30,000 per person for Bodily Injury, up to $60,000 per accident for Bodily Injury and $25,000 for property damage
State
Minimum Coverage Requirements
Average Cost for Minimum Liability Coverage
Texas
30/60/25
$578
Impact on rates
Discounts Available
High
Advanced Quote
High
Auto Pay
Mild
Homeowners
Mild
Multi Policy
Very High
Continuous Insurance
Mild
Paperless Discount
Mild
Education Discount
Mild
Married
High
No Accidents or Violations
CARRIER
LIABILITY ONLY
The General
$86
Dairyland
$92
Mendota Ins. Company
$92
Acceptance RTR
$97
Progressive Insurance
$97
AssuranceAmerica
$106
National General
$110
Bristol West
$118
21st Century
$123
USAA
$131
Allstate
$135
GAINSCO
$136
Geico
$141
Nationwide
$145
Safeco
$146
Nacogdoches Auto Insurance Myths
Myth: “Red Cars Cost More to Insure”: The color of your car does not typically affect your insurance rates. Insurance companies base premiums on factors such as the make, model, age, and safety features of the vehicle, as well as the driver’s record and location.
Myth: “Auto Insurance Covers Everything”: While auto insurance provides coverage for many types of damage, it may not cover certain events like floods, earthquakes, or wear and tear. Additional coverage may be needed for these types of perils.
Myth: “Insurance Rates Never Change”: Insurance premiums can fluctuate over time due to various factors, including changes in risk factors, inflation, and market conditions. It’s essential to review your policy periodically and shop around for competitive rates.
Myth: “Auto Insurance Follows the Car, Not the Driver”: In most cases, auto insurance follows the vehicle, meaning that the policyholder’s coverage extends to anyone driving the insured vehicle with permission. However, there may be exceptions to this rule depending on the insurance company and policy terms.
Myth: “Cheaper Cars Equal Cheaper Insurance”: While the cost of the car can influence insurance rates, other factors such as the car’s safety rating, repair costs, and theft rates also play a significant role. It’s essential to consider these factors when purchasing a vehicle.
Myth: “Older Drivers Always Pay Higher Premiums”: While age can impact insurance rates, older drivers may qualify for discounts based on their driving experience and safety record. Additionally, many insurance companies offer discounts for completing defensive driving courses or installing safety features in their vehicles.
Myth: “Auto Insurance Companies Always Deny Claims”: While insurance companies may deny claims in certain situations, they typically strive to honor valid claims and provide coverage for their policyholders. It’s essential to understand your policy terms and follow the claims process to increase the likelihood of a successful outcome.
Myth: “Insurance is Too Expensive for Young Drivers”: While young drivers may face higher insurance premiums due to their lack of driving experience, there are ways to save money, such as completing driver training courses, maintaining good grades, and choosing a safe vehicle.
The Top 10 Vehicles We Insure with Our Companies in Brighton, Colorado
1
Hyundai
2
Honda
3
Ford
4
Cadillac
5
Dodge
6
General Motors
7
Ford F-Models
8
BMW
9
Buick
10
Toyota
11
Mazda
12
GMC
Tips for Unlocking Exclusive Discounts on Home and Auto Insurance in 2025
Bundle Your Home and Auto Insurance for Maximum Savings One of the easiest ways to get exclusive discounts on insurance in 2025 is to bundle your home and auto policies. Many insurance companies offer significant savings when you combine multiple lines of coverage. Key Benefit: Save up to 25% on both policies by bundling. Call us at 1.888.445.2793 to learn more.Text Us
Install Safety Devices to Lower Premiums Installing safety devices such as smoke detectors, home security systems, and vehicle anti-theft devices can significantly reduce your premiums. These devices lower the risk for insurers, translating to discounts for you. Key Benefit: Discounts of up to 15% on home and auto insurance. Call us at 1.888.445.2793 for advice on eligible devices.Text Us
Take Advantage of Loyalty Discounts in 2025 Many insurance companies reward long-term customers with loyalty discounts. If you’ve been with the same provider for several years, you may be eligible for reduced rates on your policies. Key Benefit: Save 5% to 10% with loyalty rewards. Call us at 1.888.445.2793 to check your eligibility.Text Us
Enroll in Usage-Based Auto Insurance Programs Usage-based insurance programs, such as Progressive’s Snapshot, allow you to save money by monitoring your driving habits. Safe drivers can enjoy lower premiums based on their driving behavior. Key Benefit: Potential savings of up to 30% on auto insurance. Call us at 1.888.445.2793 to explore your options.Text Us
DMV Phone Number and Addresses in Nacogdoches, Texas
Nacogdoches DMV Office
101 W Main St #100
Nacogdoches, TX 75961
Phone: 936-560-7767
Above is the local DMV in Nacogdoches, Texas. Included is their address and phone number for questions or scheduling appointments.
Jola was super nice. And did everything she could to help me out make the experience very pleasant!
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Curtis M.
6/21/2022
Very kind and helpful
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Crystal N.
2/21/2024
The process was quick and easy!
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D C.
12/22/2022
The people that are local office are so knowledgeable and super nice
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Rebecca P.
12/22/2023
I have been using A+ insurance for about 13 years now. I have gotten to know the office people and like being able to call and say "I need xyz" and they take care of it. It saves a lot of hassles. And when I have shopped around no one has ever been able to beat my rates. If you are buying direct from a insurance company and not using an agency , you are missing out on a great benefit.
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Von “.
4/03/2023
She was very nice ! She had the patience to thoroughly explain everything , including the answers to all my questions! Thank You!
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Colee M.
3/31/2023
Marlon should own the entire insurance company. After calling about 7+ insurance carriers and having them quote DOUBLE than what Marlon got me, I lost faith in all insurance companies. Now, as of today - I lost faith in all insurance companies EXCEPT one. This one. Marlon completed the entire process in less than 30 min - usually it takes that long for most companies to pick up their phone. Right off the bat, he demonstrated expert communication and listening skills. I never called initally with high hopes, but to have all my issues addressed that fast AND get a price TWICE as good, is remarkable to me. Its borderline unbelievable. I am still elated, as I write this review with a "it's too good to be true" feeling, but hey, maybe santa is real and he works at Calhan Auto Insurance. Thats what my new insurance cards say. Thanks again Marlon!
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Bilbo B.
2/06/2025
Thanks so much! Jola excellent work!
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Sara M.
4/21/2022
My agent Lauren help me out great and saved me over 100$!
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Nickolas P.
9/14/2022
Gentleman in Greenville tried his best to find a better rate for me.
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anthony t.
12/21/2021
Great customer service, attentive and patient with all the questions I had. Would recommend to friends and family who are looking for any coverage.
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Dan V.
12/21/2021
Crystal was amazing she got me all set up and going with my insurance. She made it so simple and easy, and explained things I was unsure on so I knew exactly what I was signing up for. I highly recommend this company. They are amazing, thank you !
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Jess A.
10/18/2023
Been with these people for years. Every agent in the is super nice and helpful. Quick coverage too. Can’t recommend enough.
Response from Owner - We are so glad we continue to meet and exceed your expectations.
I've been doing business with A+ insurance for many years and have always had very great experiences with their agents. Always very professional, friendly and patient with their customers. Paperwork is well explained and extremely easy to complete via text or email. I want to thank Amanda for being so friendly and professional in helping me with multiple transactions. Thank you A+ for working with a variety of agencies that best fit our needs.
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NANCY M.
9/28/2023
Did a great job in meeting my needs
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rick I.
9/14/2022
They are not good when it comes to being hands on if you were to get into an accident and it’s not your fault!!! Even if your not at fault, they will punish you like you were the one at fault ! Beware of the company when it comes to full coverage!!! Even though u have comp and collision they don’t care!!
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Dria A.
2/16/2025
Katie was very professional and answered all my questions so that i could get the best quote for my needs. She made the process run smoothly and promptly. Very happy with the service.
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Sal R.
7/21/2021
Very helpful...
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Espie G.
7/21/2021
This company is amazing! Lauren is the B-E-S-T! The process was quick & easy! She answered all of my questions & even asked me all of the right questions! She was very informative & helpful throughout the entire process & even afterwards! Her patience is STILL appreciated because I was multitasking right along with her! She took care of everything that I was looking for in a car insurance policy & she is everything that I could have ever asked for in an Insurance Agent! Definitely check them out - You won't have to shop any further! 🙂
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Kendra T.
10/21/2021
Communication was great, and followed up immediately.
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Crystal M.
11/30/2022
I would give them 20 stars if I could my agent Camron was amazing. HE made everything so easy and simple . I highly recommend A plus Insurance
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Roberta B.
7/08/2023
Awesome family owned
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charles C.
4/13/2023
Amazing personal customer service and care! Got me great rates and lots of options to find my best fit!
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aimee22094
11/17/2023
My agent was extremely informative, and super nice! Made it very easy to buy my insurance at a very affordable rate!