Bangs Auto Insurance Rates, Quotes, Agents & Reviews in TX

Bangs, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bangs, 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.

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Average Price of Car Insurance in Bangs, Texas

The average cost of car insurance in Bangs, Texas, is $1,854. Car insurance is an essential part of owning a car. It protects you financially if you are in an accident and is required by law in most states. The amount of coverage you need for your car insurance depends on many factors, including your car's value, credit history, and driving record. There are many levels of coverage available, and you can purchase insurance that covers only certain types of accidents or damage.

If you are in an accident and you are at fault, you could be sued for damages. If you do not have auto insurance, you will be responsible for paying all of the medical bills for yourself and any passengers in your car and any damage to the other car. The cost of an accident can easily exceed the cost of a yearly insurance premium, so driving without insurance is not worth the risk. Zimlon has looked into a few factors that have affected the cost of auto insurance in Bangs, Texas.

1. Credit History

Good credit history is essential for many things in life, including car insurance. Insurance companies often use credit information to price car insurance premiums because studies have shown that people with poor credit are more likely to file insurance claims. If you have poor credit, you may be able to get car insurance, but you'll likely pay much more for it. In some states, insurers are even allowed to use your credit score to determine whether to offer you coverage at all. So, if you're looking for the best car insurance rates, it's important to make sure you have a good credit history. In Bangs, Texas, car owners with exceptional credit scores can pay $1,591, while those with poor or low credit must pay $3,024. As a result, car owners must have a respectable credit score to qualify for lower auto insurance rates in Bangs, Texas.

2. Age of the driver

The age of the driver is one of several elements that might influence the price of car insurance. Younger drivers tend to be more expensive to insure than older drivers. This is because younger drivers are more likely to be involved in accidents than older drivers. Additionally, younger drivers tend to have more accidents that are considered to be their fault than older drivers. In Bangs, Texas, young drivers pay $6,016 for car insurance while drivers aged 30 pay $1,835.

3. Driving Habits

Drivers who are more likely to be involved in accidents or who receive more traffic tickets are often seen as high-risk by insurers and may pay more for their coverage. Conversely, drivers with good driving records may be eligible for discounts. For instance, in Bangs, Texas, the cost of car insurance is increased by +$432 and +$1,250 for drivers who run red lights or have expired or suspended licenses.

Factors that can influence the cost of car insurance in Bangs, 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.

Bangs, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bangs, TX with that of other cities in and around Bangs.

Bangs Lake Brownwood Blanket Brownwood Early Brown County
Average Insurance Rates $1,854 $1,836 $1,896 $1,875 $1,900 $1,872

Bangs, 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 Bangs, 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)
Bangs $1,579 $1,334
Lake Brownwood $1,394 $1,177
Brown County $1,446 $1,221
Thunderbird Bay $1,465 $1,237
Early $1,094 $924
Brownwood $1,931 $1,631
May $1,224 $1,034
Blanket $1,490 $1,259

Bangs, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bangs, 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 $6,016
20 Years $2,382
30 Years $1,835
40 Years $1,765
50 Years $1,635
60 Years $1,658
70 Years $1,929

Bangs, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bangs, 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 $3,152 $556
3 Vehicles $4,728 $834
4 Vehicles $6,304 $1,112

Savings on 2 Vehicles bundle:$556

Savings on 3 Vehicles bundle:$834

Savings on 4 Vehicles bundle:$1,112

Bangs, 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 Bangs, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Bangs $1,854 $2,886
Lake Brownwood $1,836 $2,858
Brown County $1,872 $2,914
Thunderbird Bay $1,845 $2,872
Early $1,900 $2,958
Brownwood $1,875 $2,919
May $1,851 $2,882
Blanket $1,896 $2,952

Bangs, 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) $1,591
Excellent (740-799) $1,816
Good (670-739) $1,932
Average (580-669) $2,520
Poor (300-579) $3,024

Bangs, 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
Larry Pullin State Farm 400 C C Woodson Rd, Brownwood, 76802-8205 325-643-2624
Larry Holder State Farm 1203 Coggin Ave, Brownwood, 76801-3615 325-646-7526
Mike Hall State Farm 807 Center Ave Ste C, Brownwood, 76801-2806 325-646-8600
Smith Insurance Agency None 201 W. Adams, Brownwood, 76801 None
Brownwood Insurance Center Travelers 301 N CENTER, BROWNWOOD, 76801 325-643-6100
Michael Thomas State Farm 1107 W Wallace St, San Saba, 76877-4220 325-372-5733
Porter Ins Agcy Inc None 100 N. Fisk St., Brownwood, 76801 None
Hice Insurance None 1934 Hutchings Ave (South Hwy 67), Ballinger, 76821 (325) 718-2192
Walker Insurance Agency Inc Travelers 102 N PATRICK, DUBLIN, 76446 254-445-3372

Bangs, 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 $1,936
Driver's Failure In Showing Documents +$180 $2,034
Driving With An Expired Registration +$191 $2,045
Driving At A Considerably Slow Pace +$402 $2,256
Using A Cellphone While Driving +$425 $2,279
Running A Red Light +$432 $2,286
Speeding +$454 $2,308
Driving A Vehicle Without The Required Permission +$577 $2,431
Driving With An Expired/Suspended License +$1,250 $3,104

Bangs, 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 $1,780
Active Disabling Device $1,780
Tracking Device $1,743
Passive Disabling Device $1,724