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

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

Zimlon, through its research, found that car owners in Electra, 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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Factors that can influence the cost of car insurance in Electra, 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.

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

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

Electra Iowa Park Burkburnett Harrold-Oklaunion Pleasant Valley Wichita County
Average Insurance Rates $1,816 $1,856 $1,874 $1,886 $1,886 $1,870

Electra, 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 Electra, 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)
Electra $1,343 $1,134
Iowa Park $1,520 $1,284
Wichita County $1,926 $1,627
Harrold-Oklaunion $1,274 $1,076
Pleasant Valley $1,482 $1,252
Burkburnett $1,960 $1,656
Grandfield $1,095 $925
Wichita Falls $1,446 $1,221

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

Teenagers in Electra, 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 $5,893
20 Years $2,333
30 Years $1,797
40 Years $1,729
50 Years $1,601
60 Years $1,624
70 Years $1,890

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

Car owners in Electra, 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 $3,087 $545
3 Vehicles $4,631 $817
4 Vehicles $6,174 $1,090

Savings on 2 Vehicles bundle:$545

Savings on 3 Vehicles bundle:$817

Savings on 4 Vehicles bundle:$1,090

Electra, 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 Electra, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Electra $1,816 $2,827
Iowa Park $1,856 $2,889
Wichita County $1,870 $2,911
Harrold-Oklaunion $1,886 $2,936
Pleasant Valley $1,886 $2,936
Burkburnett $1,874 $2,917
Grandfield $1,503 $2,347
Wichita Falls $1,176 $1,831

Electra, 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) $1,558
Excellent (740-799) $1,779
Good (670-739) $1,892
Average (580-669) $2,469
Poor (300-579) $2,962

Electra, 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
Amaryllis Mullins Allstate 4210 Kell Blvd Ste 106, Wichita Falls, 76309 (940) 692-4000
Jeff Rhoades State Farm 118 West Park, Iowa Park, 76367-2805 940-592-4155
Louis Vann State Farm 3907 Kell Blvd Ste A, Wichita Falls, 76308-1520 940-692-3821
Donna Adams State Farm 4601 Kell Blvd, Wichita Falls, 76310-1465 940-696-8711
Matt Horn Lutcf Farmers 420 S Avenue D, Burkburnett, 76354 (940) 569-5238

Electra, 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 +$80 $1,896
Driver's Failure In Showing Documents +$176 $1,992
Driving With An Expired Registration +$187 $2,003
Driving At A Considerably Slow Pace +$394 $2,210
Using A Cellphone While Driving +$416 $2,232
Running A Red Light +$423 $2,239
Speeding +$445 $2,261
Driving A Vehicle Without The Required Permission +$565 $2,381
Driving With An Expired/Suspended License +$1,224 $3,040

Electra, 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 $1,743
Active Disabling Device $1,743
Tracking Device $1,707
Passive Disabling Device $1,689