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Affordable Car Insurance Atascocita, TX
Since Texas as a whole pays more in auto insurance premiums than other states, Atascocita, TX, has higher auto insurance rates than most other cities. Texans spend on average $1,900+ for their auto insurance each year, which is around $500 more than the national average of $1,449 per year. This means car insurance in Atascocita, Texas, costs drivers on average $160 per month.
Many factors determine how much you’ll pay for auto insurance premiums, including your personal factors and industry-wide variables that each car insurance company assesses. The average cost of protection in your city can be better understood by exploring these factors.
It is important for every motorist to find the right level of protection for their vehicle(s) without paying excessive amounts for it. At Freedom Insurance Group, we work for you, not any single insurer, and can offer customized coverage at an affordable rate while comparing car insurance coverages. Check out how we can provide you with reliable auto insurance in Atascocita, TX, at a lower cost than the competition.
Average Car Insurance Cost in Atascocita, TX per Month
It’s likely that the cost of car insurance in Atascocita, Texas, will vary. The following are some of the average monthly rates drivers in Atascocita, TX, can expect to pay:
Average Monthly Auto Insurance by Age
Average Monthly Auto Insurance by Vehicle
Average Monthly Auto Insurance by Carrier
Average Monthly Auto Insurance by Housing Status
Average Monthly Auto Insurance by Relationship Status
Average Monthly Auto Insurance by Driving Record
Calculating Your Car Insurance Price in Atascocita, TX
The car insurance price drivers pay in Atascocita, TX, seems to be rising continually, and there are several reasons for that. Unfortunately, Texas drivers pay some of the highest car insurance rates in the nation. Economic conditions, personal coverage needs, and statewide driving trends mean that you will have to pay more for protection. Here are some of the most common factors causing this shift:
Population Density
The population of Texas is on the rise, particularly in Harris County. This increase is attributed to many different reasons, especially with low cost of living and strong economic forecasts. The suburb of Atascocita, Texas, offers safe and quality living which is great for families and continues the trend of more residents choosing urban areas in Texas. As many as 84% of Texans live in urban areas versus the national average of 80%, causing higher auto insurance rates due to the proximity of vehicles and increased likelihood of an automobile accident, vandalism, or grand theft auto.
Fatal Accidents Are More Common
Texas is unfortunately the leader in fatal car accidents. These events are tragedies, and they also end up costing auto insurance companies, which ultimately means costing you, more money because such claims are much higher. All drivers in Texas are required to carry liability coverage, and sadly because it’s needed far more in the Lone Star State for fatal accidents, it also means auto insurance in Atascocita, TX, is going to cost more.
Higher Speed Limits In Texas
The increased speeds in Texas mean that there is a higher risk of being involved in a severe or fatal car accident. Car insurance companies weigh this risk when calculating your car insurance cost and understand that such claims cost more to cover.
A quick trip heading north on U.S. 59 heading toward Kingwood or Porter can confirm that drivers here take full advantage of the increased speeds. Texas holds both the fastest overall speed in the nation reaching 85 MPH as well as the fastest average allowable speed of 75 MPH. The risks involved in such speeds are partially passed down to you, the customer, resulting in higher premium costs.
Uninsured Motorists
In addition to being a major inconvenience, uninsured motorists raise auto insurance rates for people who do the right thing. Up to 15% of all Texan drivers lack liability coverage, which is higher than the national average. This risk is costing drivers in Texas who do the right thing more money through higher premium rates because it’s more likely that you’ll be in an accident with someone who lacks coverage.
Texas Has Longer Commutes
The dreaded morning drive to downtown Houston down U.S. 59 and the reverse route around 5 pm isn’t exactly the highlights of living in Atascocita, Texas, and these commutes are costing you more than just time. Residents of Atascocita, TX have a higher than average commute time reaching over 33 minutes, longer than the national average. More time in your vehicle combined with higher speeds as well as more vehicles means that you are at a higher risk to get into an accident, and therefore, pay higher premium rates for your coverage.
The Driving Trends Across Texas
The current driving trends in Texas are also causing car insurance costs to rise. Texas is the second-biggest state for both population and landmass. That means Texas residents have more miles to cover and more drivers to contend with. Together, these factors increase the likelihood of you being involved in an auto accident which means it costs you more for coverage.
Texas Law Requires Higher Minimum Coverage
Even drivers who only enroll in the bare minimum will find themselves paying more than other states because the state of Texas has higher minimum coverage requirements. Drivers must maintain a minimum of liability coverage to be legal within the state offer at least $30,000 coverage for injuries per individual, $60,000 for injuries per accident, and $25,000 worth of coverage for property damage.
Natural Disasters
Residents living in Atascocita, TX, understand all too well the potential damage natural disasters can present. The Lake Houston area is susceptible to severe weather from the Gulf of Mexico including hurricanes and tropical storms. Increasing flood risks from severe thunderstorms and hail risks are all factors that are taken into consideration when creating auto insurance prices. Companies will even consider other trends that affect other portions of the state including the increase in wildfire threats other regions of Texas are dealing with.
Personal Factors
Each driver is going to have their own personal factors that will affect their auto insurance rates. This can range from the uncontrollable such as your age to things that you can control including the type of vehicle you drive. Here are some of the most personal factors car insurance companies will look into when creating your auto insurance rate:
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Age.
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Where you live.
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Your driving record.
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Your claims history.
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The type of vehicle you drive.
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The amount of coverage you need.
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How much you pay in deductibles.
Personal factors like these are all viewed by auto insurance providers, but each brand will use its own methods and algorithms to calculate how much you will pay. This is exactly why you can receive so many different quotes for the same coverage among different companies. The general rule is that drivers who possess less risk pay less, and vice versa.
Discounts for Car Insurance in Atascocita, TX
The best car insurance is the coverage that protects you out on the road without making you overspend for protection. Car insurance discounts help keep costs low for drivers. You are unlikely going to be eligible for every discount out there, but there are many different types of discounts available. This means you’ll likely find something that helps you save. These are the more common discounts available to drivers in Atascocita, Texas:
Bundling Discount
Saving on auto insurance through bundling is not only very common, it also offers one of the best discounts available to drivers. Homeowners and renters can bundle their policies along with their car insurance policy for better protection and savings. Multi-policy discounts are also great options for households looking to insure multiple vehicles. Progressive offers an average of 12% off for drivers insuring multiple vehicles and a 5% reduction for drivers purchasing more than one insurance policy.
· Potential Savings: 1% – 17%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Billing Discount
Drivers with automatic billing or pay their bill online can receive discounts. Auto insurance companies save on overhead which is then passed on to you. Drivers can also save money by paying for their premium all at once instead of monthly. Virtually every car insurance company in Texas offers some form of this discount with Allstate being a popular example.
· Potential Savings: 2% – 25%
· Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.
Customer Loyalty Discount
Maintaining a loyal relationship with your auto insurance provider can lead to great savings. It’s important for drivers to compare their auto insurance coverage periodically, a yearly audit is recommended, but a loyalty discount may provide an incentive to stick with one provider long-term and save more than switching.
· Potential savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Customer Retention Discount
As a last-ditch effort to keep you from switching to a competitor, some insurance companies offer discounts to their customers. Staying with the same brand of auto insurance and saving money at the same time can be a smart decision.
· Potential Savings: Up to 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
New Customer Discount
To entice new customers, insurance brands may provide discounts for switching over and becoming new clients. Drivers in Atascocita, Texas, can receive as much as 10% from Travelers Insurance, and other brands may even offer even more savings. For the most savings, drivers should get an auto insurance quote before their current policy ends as the farther in the future you buy your new policy, the more you’ll save in the process.
· Potential Savings: 5% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Occupational Discount
In general, certain occupations are involved in fewer accidents and fewer costly claims than others. When calculating your insurance premium, insurance companies take into account a variety of factors, including your occupation, and certain jobs can save you money on your insurance costs. Texans enrolled with Progressive and Safeco can often benefit from such savings.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Continuously Insured Discount
Staying insured prevents lapsed coverage penalties. You can also qualify for great discounts from brands like Progressive when you show proof of insurance over the last six months.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive and Travelers.
Good Student Discount
Young drivers are faced with steep car insurance premiums, as they are more likely to cause an accident and are viewed as a greater risk to auto insurance companies. A great way to save on auto insurance premiums for young drivers is to maintain good grades (“B” average or higher) to receive discounts. Good students can enjoy as much as 20% off of their premiums. Progressive helps young drivers in Atascocita, Texas, providing up to 15% off. Higher savings may be available through other brands depending on a variety of factors.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Resident Student Discount
Young drivers can also benefit from resident student discounts. You must attend college at least 100 miles away from the insured vehicle to qualify, but those who do can receive a discount of up to 35% on their premiums. In Atascocita, TX, Travelers is a popular brand offering such discounts.
· Potential Savings: 7% – 35%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Good Driver Discount
Practicing good driving results in fewer risky behaviors and a cheaper auto insurance bill in the process. Different brands have different rules but most carriers will have some sort of good driver discount that is offered to drivers who go a certain amount of time without having to submit a claim. Safeco will even give you a discount if you have submitted such claims but it hasn’t been for a defined period (drivers without claims or moving violations in the last five years).
· Potential Savings: 10% – 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Usage-Based Discount
With today’s technology, auto insurance companies can better understand and track their customers’ driving habits, using devices and smartphone apps. Drivers who exhibit safer driving habits and drive less can receive savings for driving responsibly. Here are some of the most popular programs available in Atascocita, Texas:
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Allstate’s “Drivewise”, a telematics program.
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Travelers Insurance’s “Intellidrive”.
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“Snapshot” from Progressive helps drivers save an average of $145.
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Drivers can save as much as 30% when using Safeco’s “Righttrack” program.
· Potential Savings: Up to 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Mature Driver Discount
The mature driver discount may be of benefit to drivers 55 or older. To qualify for such discounts, some insurance companies require senior drivers to take a senior driving course.
· Potential Savings: 1% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Married Discount
In Atascocita, Texas, married couples can save on car insurance because they are less likely to have accidents than singles. Many auto insurance companies will use this factor when calculating your rates, and it can save you a sizable chunk of money.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Homeowner Discount
Insurance companies view homeowners as financially stable and may therefore provide discounts to homeowners. You can bundle your coverage, of course, but some brands will provide a discount even if you don’t have a home insurance policy with them. Travelers Insurance delivers as much as 5% in savings to homeowners who purchase auto insurance policies regardless of whether or not your home insurance policy is with another brand.
· Potential Savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
New Car Discount
Particularly for new cars, there can be discounts on the insurance based on safety features. Your car insurance provider prefers safety and the rise of technological safety features such as backup cameras have an impact on the amount you pay for coverage. Travelers can give drivers up to 10% off their new car insurance premium for vehicles with the right safety features that meet the criteria of the brand.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Safety Features Discount
By driving a vehicle equipped with safety features such as stability control, anti-theft features, and antilock brakes, you can keep yourself and your family safe and reduce your auto insurance costs. Safety features discounts help lower the insurance cost for a newer vehicle for those who qualify.
· Potential Savings: 4% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Passive Restraints Discount
Modern vehicles are often equipped with restraints such as airbags and automatic seatbelts and depending on your insurance provider you may be able to receive discounts for these safety features. Residents of Atascocita, Texas, enjoying this discount often enroll with Allstate, though other options are available.
· Potential Savings: 2% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Anti-Theft System Discount
Auto insurance in Atascocita is high for many reasons, including the fact that Texas has a high level of vehicles stolen each year, over 65,000 annually. If you’re looking for a way to save on your auto insurance, you consider driving a vehicle with anti-theft features such as car alarms, steering wheel locks or Lojack. Some insurance brands offer as much as 20% discounts for vehicles with such features.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Organizational Discount
If you are a part of a credit union, a particular alumni group, or in an auto club such as AAA, you may receive a discount for your auto insurance. This discount is less common, though some motorists in Atascocita, TX, may still qualify.
· Potential Savings: 2% – 20%
Driver Education Discount
Taking a defensive driving class can help you become a better driver. They can also make your car insurance rates go down. Though keep in mind that driver education discounts are declining in popularity and may not be available through many insurance providers in Texas.
· Potential Savings: 2% – 3%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
How Does Car Insurance Work in Atascocita, Texas?
Car insurance in Atascocita, TX, is there for you in the event of an automobile accident, your vehicle is damaged from other means, if your vehicle is stolen, etc. It’s a financial safety net that allows you to restore the losses to another party and/or yourself that involves your vehicle. Depending on your coverage and the terms of damage surrounding your vehicle, will depend on how your coverages will help you overcome such obstacles.
Different Types of Car Insurance Coverage in Atascocita, TX
A minimum amount of liability coverage is required of all drivers in Atascocita, TX, but there are many potential perils that can harm your vehicle and they may require additional coverage. You can better understand your risks as a driver by assessing what kind of protection is most appropriate for your needs.
Insuring your car creates a financial safety net that ensures your needs are met in the event of an accident. If you opt for the minimum coverage, you might save money in the short term, but you may pay more after an accident. This is highlighted further by the continued increase in the costs of labor, parts, medical expenses, and legal fees.
Freedom Insurance Group has been helping drivers find affordable car insurance in Atascocita, TX, since 2005. We keep you covered with the right level of protection while providing you with the best savings on the market. Ask an agent today to learn more about a customized auto insurance policy for your needs and learn more about common coverages that help protect you against a variety of perils:
Liability Coverage
As a Texas resident, you must carry a minimum amount of liability coverage in order to drive legally throughout the state. The following coverages are required for drivers:
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$30,000 coverage for damage per person.
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$60,000 for every encounter.
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$25,000 compensation for property damage.
The cost of labor, building materials, and medical expenses has increased significantly in recent years, so drivers need to ensure their coverage needs are adequately covered. Purchasing only the bare minimum amount of liability coverage required without any other coverages can leave you paying more in the long run due to expensive losses after a wreck.
Collision Coverage
Drivers with collision coverage will have help paying for their own repairs following an auto accident. Your liability coverage is only to cover the loss of another party, which is yet another reason carrying only minimum coverage can come back to haunt you. Collision coverage will even cover potholes in the state of Texas, however, do note that there is a deductible you are responsible for before your reimbursement is paid by your car insurance provider.
Comprehensive Car Insurance
Comprehensive coverage is a policy that protects your vehicle from losses that can occur when you are not driving. For example, flood damage, theft, or other weather-related damage. After paying your deductible, you can receive reimbursement that helps you restore losses to your vehicle.
Drivers who enroll in liability, collision, and comprehensive coverages, drivers can receive “full coverage insurance”, which provides extra protection at a lower premium rate due to the multi-policy discounts that accompany it.
Medical Payment Coverage
If you are at fault in an accident and require medical assistance, it’s important to remember that liability coverage is to help restore the losses of other parties and not your own. Medical costs are expensive and continue to rise. Medical payment coverage can help you mitigate the medical expenses for you and your passengers after a wreck even if you are at fault.
Personal Injury Protection (PIP)
Also known as no-fault insurance, Texas allows PIP insurance, a coverage built to help pay for you or your passengers’ medical costs regardless of who is at fault. You can also receive payment for a claim related to lost wages as a result of your auto accident.
Uninsured Motorist Coverage
Unfortunately, not every driver will act responsibly and carry car insurance. Some drivers may do the right thing, however, their coverage may not be enough to restore your loss. This can cause you financial hardship and to protect against such issues, uninsured motorist coverage is a viable option to avoid paying out of pocket to make things right.
Towing and Labor Coverage
Towing and labor coverage is a valuable coverage that can help cover the costs of getting your vehicle to a repair shop in the event of an accident or a vehicle emergency. With an affordable policy that is there when you need it, you wouldn’t have to worry about being stranded on the side of the road. Furthermore, your policy may also cover various kinds of roadside assistance should the need arise, such as replacing a punctured tire, jumpstarting a battery, having gas delivered, or contacting a locksmith.
Rental Reimbursement Coverage
Rentals for vehicles are constantly increasing costs, just like anything else in life. If you have been in an accident with your car, you might be forced to rent one for a period of time while yours is being repaired. Rental reimbursement coverage helps cover these expenses. Some insurance providers will even cover the cost of taxi rides.
Does Auto Insurance Follow the Driver or Vehicle in Atascocita, TX?
Your auto insurance policy will be used if someone borrows your vehicle and causes an accident if they are to blame. That means that if your vehicle is borrowed by a friend or loved one for a quick trip down FM 1960 to Atascocita Commons for some retail therapy and is involved in an accident if the driver is at fault, your coverage will be used to restore the losses involved.
Non-owner car insurance, better known as non-owner liability coverage, is a great option for those who do not own a vehicle but may borrow one from time to time. This coverage provides you with protection against bodily injury and property damage in the aftermath of a car accident.
Why Your Car Insurance Claim May Be Denied
If you have been involved in an accident, there are some actions that can cause an auto insurance company to deny your claim. To be in a better position after a wreck, or to avoid losing coverage because your insurance company decided to not renew your insurance, you should know what these actions are. In order to stay covered and avoid denials, here are some common things to avoid:
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Nonpayment of auto insurance premiums.
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Submitting fraudulent claims.
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Giving false information and/or committing insurance fraud.
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Not providing the right documentation in a timely manner.
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The auto insurance policy excludes you as a driver.
Atascocita, TX Zip Codes We Serve
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77044
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77338
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77346
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77396
Don’t see your zip code? Not to worry. Freedom Insurance Group can still help you as our agents work to protect drivers throughout all of Atascocita, Texas, and the rest of the state by providing excellent coverage at the lowest cost possible.
Compare Car Insurance in Atascocita, TX
Finding car insurance in Atascocita, TX, means being presented with many different options. It can be difficult to search through a variety of brands to find one that is reliable, offers protection, and can best meet the demands of the customer. Freedom Insurance Group is here to help.
Since 2005, we have partnered with 25 top insurance brands in Texas to bring our customers the best options at the lowest price. We help our clients cut their average car insurance cost by 40%.
Our agents are here to help you find specific auto insurance coverage for your needs. This includes specialty policies such as classic car insurance, full coverage car insurance, or anything else you might need. No matter how what, we provide you with a personalized protection plan for the lowest rate on the market.
The best auto insurance is the cheapest policy that can still keep you protected. An accurate, no-obligation auto insurance quote is only a few clicks away. Get yours today, or feel free to contact one of our agents.
Freedom Insurance Group is more than just auto insurance. Take a look below at the many Texas Insurance Services we help provide to clients in need of protection for less:
