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What is the cost of auto insurance in Trophy Club TX
The following tables only show an average of the premiums paid in Trophy Club, Texas; it gives a general idea of what you could expect to pay monthly for your insurance.
Average Monthly Auto Insurance by Age
| Age Range | Av. Premium |
| Under 18 | $214 |
| 18-24 | $101 |
| 25-34 | $63 |
| 35-44 | $59 |
| 45-54 | $53 |
| 55-64 | $49 |
| 65+ | $52 |
Average Monthly Auto Insurance by Vehicle
| Vehicle Age | Av. Monthly Premium |
| Less than 1 Year | $65 |
| 2-3 Years | $58 |
| 4-5 Years | $64 |
| 6-7 Years | $68 |
| 8-10 Years | $69 |
| 11-14 Years | $62 |
| 15 Years or older | $57 |
Average Monthly Auto Insurance by Carrier
| Rank | Company | Av. Monthly Rate |
| 1 | Progressive | $101 |
| 2 | Allstate | $107 |
| 3 | Kemper | $109 |
| 4 | Travelers | $114 |
| 5 | Safeco | $119 |
| 6 | Bristol West | $125 |
| 7 | Infinity | $142 |
| 8 | Gainsco | $163 |
| 9 | Others | $180+ |
Average Monthly Auto Insurance by Housing Status
| Housing Status | Av. Monthly Premium |
| Own | $56 |
| Rent | $67 |
| Live with parents | $96 |
Average Monthly Auto Insurance by Relationship Status
| Relationship | Av. Monthly Premium |
| Single (never married) | $65 |
| Married | $52 |
| Divorced | $56 |
| Widowed | $51 |
Average Monthly Auto Insurance by Driving Record
| Infractions | Av. Monthly Premium |
| 1 accident | $93 |
| Multiple accidents | $99 |
| 1 Ticket | $76 |
| Multiple tickets | $131 |
See How Much Home Insurance Costs in Trophy Club Texas HERE
Car Insurance Discounts Explained
Insurers often offer discounts to long-term customers as a special reward.
· Potential savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Before you switch to a new insurer, many insurance companies will give you a discount for a chance to keep your business.
· Potential Savings: Up to 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Most insurers offer customers an initial bonus for switching their coverage from another insurance company. With Travelers, for example, you can save up to 10%, depending on how far in advance you buy your policy. To maximize your savings, make sure to get a quote before your previous policy is due to expire.
· Potential Savings: 5% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
You will save on premiums with most insurance companies if you can prove you’ve had insurance throughout the prior six months. For instance, the exact amount that you save at Progressive depends on how long you’ve been continuously insured.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive and Travelers.
Receiving all correspondence through email, paying online, agreeing to automated payments, and paying up front can all add up to significant discounts. For example, Allstate offers a large discount when you set up automatic deductions from your bank account. All auto insurers in Texas offer some form of this discount.
· Potential Savings: 2% – 25%
· Major insurers offering this discount: Progressive, Safeco, Allstate and Travelers.
Drivers can save by insuring multiple vehicles under the same policy. Similarly, insurers offer discounts for drivers who use the same insurer for other types of insurance such as homeowner’s or renter’s. At Progressive, for instance, drivers save an average of 12% when they insure multiple vehicles and 5% when they purchase multiple policies.
· Potential Savings: 1% – 17%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Showing a “B” grade point average or higher may make young drivers eligible for a discount. At Progressive, for example, full-time students can save up to 15% on their premium with this discount.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
You can save on premiums if an insured student is attending school at least 100 miles away and doesn’t have access to the insured vehicle. For example, Travelers offers a 7% discount for long-distance students.
· Potential Savings: 7% – 35%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Having a clean driving record and no history of car insurance claims will save you money. Some insurers will allow you to qualify even if you have claims on your record, as long as you’ve been a good driver for a certain period of time. For example, you can get a good driver discount at Safeco if you go five years without a claim or moving violation.
· Potential Savings: 10% – 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Take an approved defensive or safe driver course for reduced rates. This discount has been phased out over the years with most insurers in Texas.
· Potential Savings: 2% – 3%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Allowing an insurance company to track your actual driving habits, usually through a device attached to your car or a smartphone app, can offer substantial savings. Drivers at Progressive, for instance, save an average of $145 through the “Snapshot” program. Safeco offers their “Righttrack” program which gives the change of up to a 30% discount. Travelers “Intellidrive” program offers similar discounts. Allstate calls their phone based telematics program “Drivewise”.
· Potential Savings: Up to 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Thirty-four states and the District of Columbia require insurance companies to provide discounts to older drivers who take an approved mature/senior driving course. Most insurers in Texas offer some form of this discount.
· Potential Savings: 1% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Certain professions are statistically less likely to file expensive claims. As a result, they pay lower rates for car insurance. Safeco and Progressive give the largest occupational discounts in Texas typically.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Many private organizations such as school alumni groups, credit unions, and auto clubs like AAA give savings opportunities to members by partnering with a specific insurer. Most insurers in Texas do not give this discount.
· Potential Savings: 2% – 20%
A married person is statistically less likely to file expensive claims, so insurance companies often quote them lower rates.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Homeowners are usually offered a discount on car insurance because they are considered to be financially stable. At Travelers, for example, drivers can save up to 5% if they own a home or condo, even if they insure it with another company.
· Potential Savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
You may save more if your car has safety features like anti-lock brakes and stability control, which are common among newer vehicles.
· Potential Savings: 4% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Cars with airbags and automatic seatbelts can be cheaper to insure.
· Potential Savings: 2% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Several insurers offer discounts for cars with alarms, LoJack, or steering wheel locks, which can help prevent auto theft.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
If you’re insuring a brand-new car, you may receive a discount from your insurer. Travelers, for example, offers a discount of up to 10% for newer model vehicles.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
What are the types of auto insurance coverages?
So, when you talk about auto insurance coverages, there are eight basic types to choose from:
- Liability Coverage
This coverage pays for the damage caused to another person’s car or property. It also includes drivers’ and passenger’s medical charges and other expenses. According to the law in Texas you need to have at least $30,000 coverage for damage per person, up to $60,000 for every encounter, and $25,000 compensation for property damage.
- Collision Coverage
Collision coverage is required to repair or replace your vehicle after an accident.
- Comprehensive Coverage
Comprehensive coverage compensates you when your vehicle is damaged by other events besides a car accident. For example, this type of coverage could cover hail damage from a storm, theft, a break-in, among other things.
- Medical Payment Coverage
Medical payment covers you or your passengers’ medical expenses in case you are injured in a car accident, whether you caused it or not.
- Personal Injury Protection (PIP)
Like the medical payment coverage, personal injury protection covers for your and other passengers’ medical expenses. Furthermore, it provides compensation for lost wages or other non-medical expenses.
- Uninsured Motorist Coverage
This coverage will protect you in case you have an accident with a driver without insurance or who does not carry enough liability to compensate for your medical expenses and vehicle repairs This type of coverage will also be helpful in a hit-and-run situation.
- Towing and Labor Coverage
This is an optional coverage you can add to your policy. It will cover for the costs of your car being towed if it cannot be driven. It also pays for the expenses required to replace a punctured tire, deliver gas/oil, unlock your vehicle, kick start your battery, and more
- Rental Reimbursement Coverage
This coverage compensates for the price of renting a car if yours is under repair after an accident. Some companies will also reimburse expenses for taxi services.
Having an agency that can compare your rates among these brands instantly through established partnerships, you gain valuable insight in a fraction of the time.
Zip Codes in Trophy Club, TX That We Insure
76262
Freedom Insurance Group is Proud to Serve Trophy Club, Texas
Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find car owners throughout Trophy Club, Texas, the right coverage options for your needs at the lowest cost possible.
We get to know our clients to better understand their needs. Each vehicle owners needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.
Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your auto insurance that doesn’t break the bank. Contact us today or get a free car insurance quote with only a few clicks of a button.
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