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.
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 Rates
- Bangs, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bangs, TX
- Multi Vehicle Insurance Savings in Bangs, TX
- How Credit Score Affects Car Insurance Rates in Bangs, TX
- How DUI Affects Auto Insurance Premiums in Bangs, TX
- Top Auto Insurance Agents Near Bangs, TX
- How Driving Violations Affect Auto Insurance Rates in Bangs, TX
- Bangs, TX Auto Insurance Discounts on Anti Theft Feature
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 |