Aransas Pass, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Aransas Pass, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Average Cost of Car Insurance in Aransas Pass, TX
The average cost of car insurance in Aransas Pass is $1,865. The cost of car insurance may vary from one city to another. Car drivers must compare the price of car insurance in Aransas Pass with neighboring cities like Aransas Pass-Ingleside, Rockport, Ingleside, Falman, and Ingleside on the Bay and others to get a clear picture. Car drivers looking for the right policy should compare and discern the different prices and terms available. Zimlon has explored certain factors responsible for the change in the car insurance rates in Aransas Pass, Texas.
a. Credit History
Insurance companies estimate the premium charged on car insurance by calculating its credit score. A credit score represents the car driver's propensity of loss and level of risk in the future. For instance, car owners with exceptional credit scores have to pay $1,600, whereas car owners with poor or low credit scores have to pay $3,042 in Aransas Pass, TX. Therefore, car owners must maintain a fair credit score to earn discounts on auto insurance rates in Aransas Pass, Texas.
b. Age of the driver
Driver's age is one of the factors considered to determine the car insurance rates in Aransas Pass, TX. Young drivers take more risks than older drivers. Hence insurance providers charge high auto insurance for young and teen drivers. For example, teenagers in Aransas Pass, TX, pay $6,052, while drivers age 30 pay $1,846 on car insurance.
c. Driving Habits
Insurance companies set the prices after determining certain factors. One of them is your driving habits. Car owners with a history of traffic violations or driving-related offenses, including DUIs, irresponsible driving, and speeding tickets, will pay more on car insurance in Aransas Pass, TX. For example, car drivers running a red light or driving with an expired registration must pay +$435 and +$192 extra on the total cost of car insurance in Aransas Pass, TX.
Factors that can influence the cost of car insurance in Aransas Pass, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Aransas Pass, TX Auto Insurance Rates
- Aransas Pass, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Aransas Pass, TX
- Multi Vehicle Insurance Savings in Aransas Pass, TX
- How Credit Score Affects Car Insurance Rates in Aransas Pass, TX
- How DUI Affects Auto Insurance Premiums in Aransas Pass, TX
- Top Auto Insurance Agents Near Aransas Pass, TX
- How Driving Violations Affect Auto Insurance Rates in Aransas Pass, TX
- Aransas Pass, TX Auto Insurance Discounts on Anti Theft Feature
Aransas Pass, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Aransas Pass, TX with that of other cities in and around Aransas Pass.
| Aransas Pass | Aransas Pass-Ingleside | Rockport | Ingleside | Falman | Ingleside on the Bay | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,865 | $1,908 | $1,946 | $1,909 | $1,863 | $1,983 |
Aransas Pass, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Aransas Pass, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Aransas Pass | $1,950 | $1,647 |
| Country Acres | $1,400 | $1,182 |
| Falman | $1,919 | $1,621 |
| Aransas Pass-Ingleside | $1,208 | $1,021 |
| Ingleside | $1,502 | $1,268 |
| Rockport | $2,862 | $2,418 |
| Ingleside on the Bay | $1,584 | $1,338 |
| Corpus Christi | $1,661 | $1,403 |
Aransas Pass, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Aransas Pass, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $6,052 |
| 20 Years | $2,396 |
| 30 Years | $1,846 |
| 40 Years | $1,776 |
| 50 Years | $1,645 |
| 60 Years | $1,667 |
| 70 Years | $1,941 |
Aransas Pass, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Aransas Pass, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,245 | $485 |
| 3 Vehicles | $4,868 | $727 |
| 4 Vehicles | $6,490 | $970 |
Savings on 2 Vehicles bundle:$485
Savings on 3 Vehicles bundle:$727
Savings on 4 Vehicles bundle:$970
Aransas Pass, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Aransas Pass, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Aransas Pass | $1,865 | $2,903 |
| Country Acres | $1,892 | $2,945 |
| Falman | $1,863 | $2,900 |
| Aransas Pass-Ingleside | $1,908 | $2,970 |
| Ingleside | $1,909 | $2,972 |
| Rockport | $1,946 | $3,029 |
| Ingleside on the Bay | $1,983 | $3,087 |
| Corpus Christi | $1,422 | $2,214 |
Aransas Pass, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,600 |
| Excellent (740-799) | $1,827 |
| Good (670-739) | $1,943 |
| Average (580-669) | $2,535 |
| Poor (300-579) | $3,042 |
Aransas Pass, TX Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Matt Sablatura | State Farm | 2741 Dallas Ave, Ingleside, 78362-5715 | 361-776-3579 |
| Rene Contreras | Allstate | 2701 Main St Ste B, Ingleside, 78362 | (361) 775-2886 |
| Angelina Guajardo | Farmers | 406 S Commercial St, Aransas Pass, 78336 | (361) 758-7971 |
| G S M Insurors | Allstate | 360 S Commercial St, Aransas Pass, 78336 | (361) 758-7545 |
| Affordable Insurance Of Texas | Travelers | 5133 KOSTORYZ STE B, CORPUS CHRISTI, 78415 | 361-854-0207 |
| Felix Pena | State Farm | 5718 McArdle Rd Ste 105, Corp Christi, 78412-3488 | 361-992-7760 |
Aransas Pass, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$82 | $1,947 |
| Driver's Failure In Showing Documents | +$181 | $2,046 |
| Driving With An Expired Registration | +$192 | $2,057 |
| Driving At A Considerably Slow Pace | +$405 | $2,270 |
| Using A Cellphone While Driving | +$427 | $2,292 |
| Running A Red Light | +$435 | $2,300 |
| Speeding | +$457 | $2,322 |
| Driving A Vehicle Without The Required Permission | +$580 | $2,445 |
| Driving With An Expired/Suspended License | +$1,257 | $3,122 |
Aransas Pass, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,790 |
| Active Disabling Device | $1,790 |
| Tracking Device | $1,753 |
| Passive Disabling Device | $1,734 |