- TOP COMPANIES AND RATES FOR SAN JUAN LIABILITY ONLY INSURANCE
- Sam Juan Insurance Affordable Full Coverage
- SR-22 San Juan Insurance
- Affordable SR-22 San Juan Insurance
- Average Insurance Cost By Credit Score
- San Juan Insurance Companies We Represent
- San Juan Insurance- Prepare for Weather Conditions
- Additional Products We Offer San Juan Insurance, Texas
- How Neighboring Cities and Zip Codes Affect Your Premium in San Juan Insurance
- Rating Factors That Impact Your Auto Insurance Rates In San Juan
- Frequently Asked Questions About San Juan Texas Auto Insurance
- Top Mistakes to Avoid When Buying Home and Auto Insurance
- What We Do at A Plus Insurance
On Average, insurance premiums are higher in San Juan, Texas than the overall state average. Make sure you are shopping multiple companies and looking for discounts to save money on your car insurance premium
TOP COMPANIES AND RATES FOR SAN JUAN LIABILITY ONLY INSURANCE
| Carrier | Average Rate |
|---|---|
| Dairyland | $89 |
| Progressive Insurance | $92 |
| National General | $98 |
| Mendota Ins. Company | $106 |
| Bristol West | $107 |
| The General | $108 |
| Liability Insurance Rates in San Juan | Liability State Average |
|---|---|
| $750.48 | $510.15 |
| Full Coverage Insurance in San Juan | Full Coverage TX Average |
|---|---|
| $1,374.88 | $934.59 |
Sam Juan Insurance Affordable Full Coverage
San Juan Insurance-Full coverage insurance may be required if you are financing a new vehicle. Shop our insurance rates in San Juan for additional savings on your full coverage rates.
Liability Only insurance is a place to start, Full Coverage can be a place to round out your insurance to cover your auto. Like Texas Toast without butter, sometimes you need to add a little extra.
| Rank | Company | Average Price |
|---|---|---|
| 1 | Progressive | $116.00 |
| 2 | Travelers | $127.00 |
| 3 | Mendota | $131.00 |
| 4 | The General | $144.00 |
| 5 | Bristol West | $145.00 |
| 6 | Dairyland (Viking) | $196.00 |
| 7 | Liberty Mutual | $205.00 |
SR-22 San Juan Insurance
- Understand the Requirement: An SR-22 is a certificate of financial responsibility that proves you have the state-required minimum liability insurance coverage. It’s often required if you’ve been convicted of certain driving offenses, such as DUI/DWI, driving without insurance, or multiple traffic violations.
- Contact Your Insurance Provider: Not all insurance companies offer SR-22 filings, so it’s essential to check with your current provider or seek out insurers that specialize in SR-22 insurance policies.
- Purchase an SR-22 Policy: Once you’ve found an insurance provider willing to file an SR-22 on your behalf, purchase the required insurance policy. The insurer will then submit the SR-22 form to the Texas Department of Public Safety (DPS).
- Understand the Cost: SR-22 insurance typically comes with higher premiums due to the increased risk associated with your driving history. However, the exact cost will vary depending on factors such as your driving record, age, vehicle type, and coverage limits.
- Maintain Continuous Coverage: It’s crucial to maintain continuous insurance coverage while you have an SR-22 requirement. If your policy lapses or is canceled, your insurer is obligated to notify the DPS, which could lead to further penalties or license suspension.
- Follow DPS Instructions: The DPS may have specific instructions or requirements regarding your SR-22 filing, such as the duration of the filing period. Make sure to comply with any directives provided by the DPS to avoid complications.
- Monitor Your Driving Record: While under an SR-22 requirement, strive to improve your driving record and avoid any further traffic violations or incidents. This can help demonstrate to insurers and the DPS that you’re a responsible driver.
- Plan for the Future: SR-22 filings are typically required for a specific period, such as three years. As the end of the filing period approaches, work on maintaining a clean driving record and improving your creditworthiness to potentially qualify for lower insurance rates in the future.
Affordable SR-22 San Juan Insurance
You may be required to carry SR-22 Insurance, but what is the average cost? Typically, SR-22 insurance is a one-time fee of $25 for your entire insurance term, some companies charge more, or do not offer that coverage
| Company | Average (SR22 Fee) |
|---|---|
| Assurance America | $25 |
| Bristol West | $35 |
| Dairyland | Free |
| Gainsco | $25 |
| Mendota | $25 |
| Progressive | 5% (Average) |
| State Farm | SR22 Not Available |
| The General | $25 |
| Travelers | SR22 Not Available |
Average Insurance Cost By Credit Score
San Juan Insurance -Credit is a rating factor used by insurance companies to determine a customers premium. The better credit you have, the lower the risk, in return you will see cheaper insurance rates
| Credit Impact on Insurance rates in San Juan Average Premium by Score | Price |
|---|---|
| Excellent | $123.21 |
| Good | $138.84 |
| Average | $167.17 |
| Poor | $236.43 |
San Juan Insurance Companies We Represent
San Juan Insurance- We are licensed to work in several states, as well as several insurance companies providing you with a competitive insurance rate.
| Insurance Companies in San Juan, Texas that We Represent |
|---|
| Assurance America |
| Gainsco |
| Dairyland |
| Victory |
| The General |
| USLI |
| Suncoast |
| ASI |
| Mendota |
| Safeway |
| Progressive |
| Foremost Star |
| Bristol West |
| Best Choice |
| Travelers |
| Orion 181 |
San Juan Insurance- Prepare for Weather Conditions
Weather in San Juan is hot and sunny on average, but can get up to 33 inches of rain a year. Roads can we wet and slippery with rainfall and could be the cause of an accident. Don’t let your insurance rates go up-drive with caution in the rain
| San Juan Weather |
|---|
| Summer High: The July high is around 95 degrees |
| Winter Low: The January low is 37 degrees |
| Rain: 33 Inches of rain a year |
| Snow: 0 inches of snow per year |
Additional Products We Offer San Juan Insurance, Texas
Bundling your auto and home policies can save you money. We also offer other products such as renters, motorcycle, and boat insurance that you are able to bundle and save
| Type of Coverage | Our Top Companies |
|---|---|
| Home Insurance | Travelers, ASI, Foremost Star |
| Motorcycle Insurance | Dairyland, Progressive |
| Renters Insurance | ASI, Foremost |
| RV Insurance | Progressive, Travelers |
| Commercial Auto Insurance | Progressive |
| Car Insurance | Progressive, Dairyland, |
| Boat Insurance | Travelers, Progressive |
How Neighboring Cities and Zip Codes Affect Your Premium in San Juan Insurance
Rate revisions are used to help determine premiums, insurance companies look at the amount of claims in an area and the amount of money paid out in claims. If an area or surrounding areas has an increased amount of accidents/claims, insurance premiums will likely go up for EVERYONE to compensate for the loss
| Neighborhoods in San Juan, Texas | Cities Near San Juan | Zip Codes in San Juan |
|---|---|---|
| Alazan | Lufklin, Texas | 75961 |
| Fredonia Hill | Henderson, Texas | 75962 |
| Bonita Junction | Jacksonville, Texas | 75963 |
| Orton Hill | Kilgore, Texas |
Rating Factors That Impact Your Auto Insurance Rates In San Juan
Rating factors are used to determine how high of a risk a potential customer is. The lower the risk, the more favorable the client in return seeing greater insurance savings
What Rating Factors Affect Your Insurance Rates?
| Factor | Rate Impact |
|---|---|
| Age | High |
| Vehicle Performance (Symbol) | Medium |
| Color of Car | none |
| How Long Have You Owned the Vehicle | Low |
| Vehicle Make and Model | Medium |
| Lienholder | None |
| Major Violations (DUI, DWI, etc.) | High |
| Insurance History | Medium |
| Marital Status | Medium |
| Gender | Medium |
Frequently Asked Questions About San Juan Texas Auto Insurance
Q1: What are the minimum auto insurance requirements in San Juan, Texas?
A1: In San Juan, Texas, drivers are required to have liability auto insurance coverage with minimum limits of $30,000 for bodily injury or death per person, $60,000 for bodily injury or death per accident, and $25,000 for property damage.
Q2: What additional coverage options should I consider for my San Juan auto insurance?
A2: For your San Juan auto insurance, consider additional coverage options like uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, and personal injury protection (PIP). These options can provide extra protection and peace of mind on the road.
Q3: How can I find affordable auto insurance rates in San Juan, TX?
A3: To find affordable auto insurance rates in San Juan, Texas, consider comparing quotes from multiple insurance providers. Additionally, look for discounts related to factors like safe driving, bundling policies, and maintaining a good credit score. Collaborating with an independent insurance agent can help you explore your options and locate competitive rates.
Q4: How to find the cheapest insurance in San Juan?
Give our Agents a call today at A Plus Insurance, we are able to shop multiple companies and find the best discounts.
Top Mistakes to Avoid When Buying Home and Auto Insurance
- Underestimating Your Coverage Needs – One common mistake is choosing coverage limits that are too low to protect your assets adequately. Make sure you assess the value of your home, vehicle, and personal belongings to avoid being underinsured. Text Us for help in evaluating your coverage needs.
- Focusing Solely on Price – While it’s important to find affordable insurance, selecting a policy based only on the lowest price can leave you with inadequate coverage. Always compare the benefits and coverage options alongside the cost to make an informed decision.
- Not Bundling Policies – Failing to bundle your home and auto insurance policies is a missed opportunity for discounts. Most insurance companies offer significant savings when you combine multiple policies. Call us at 1.888.445.2793 to learn how bundling can reduce your premiums.
- Ignoring Policy Exclusions – Many policyholders overlook exclusions listed in their insurance policy. Understanding what is not covered is crucial to avoid surprises when filing a claim. Always review your policy’s exclusions and ask questions if anything is unclear.
- Choosing a High Deductible Without Assessing Financial Risk – Opting for a high deductible can lower your premium, but it also means higher out-of-pocket costs if you file a claim. Choose a deductible that balances affordable premiums with manageable expenses in case of an incident.
- Overlooking Available Discounts – Insurance companies offer various discounts, such as safe driver, good student, or safety feature discounts. Not asking about these discounts could mean missing out on potential savings. Text Us to find out which discounts you qualify for.
- Not Updating Your Policy – Life changes, like buying a new car, renovating your home, or moving, can affect your insurance needs. Failing to update your policy after significant life events can result in inadequate or outdated coverage.
- Skipping a Policy Review – Regularly reviewing your insurance policy is essential to ensure it continues to meet your needs. Policy features, rates, and your personal circumstances change over time, so a review can help you avoid paying for unnecessary coverage or missing gaps in your policy.
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