Lamar, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lamar, 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.
Three Ways to Avail Discounts on Auto Insurance in Lamar, TX
Are you looking for auto insurance in Lamar, TX? You have landed on the right page. Zimlon, through its in-depth research, reveals all the rates applicable as per the factor. The average cost of auto insurance in Lamar, TX, is $2,005. It is relatively high compared to neighboring cities like Fulton, Bayside, Aransas County, and Refugio County.
Car owners can reduce the cost of car insurance and customize it as per their driving needs. Automobile owners can avail of multiple discounts on their insurance and make it pocket-friendly.
Here are a few ways to reduce your insurance by taking advantage of these discounts.
a. Anti-Theft Discounts
Every car owner fears vehicle theft as it is a common problem in the state. In such situations, car insurance is a must. Cars with anti-theft features in their automobile can avail of anti-theft discounts. Insurance companies believe that the chances of vehicle theft will be less with these features.
Cars with anti-theft features like audible alarms, active disabling devices, and a tracking device can avail a considerable amount of discounts on Lamar insurance. In Lamar, TX, auto owners with active disabling devices and tracking devices pay $1,925 and $1,885 on auto insurance.
Refer to the chart below to understand the applicable rates as per the anti-theft features in the car.
b. Good Driving Discounts
Car owners willing to avail of this discount must stay off roads more often. Auto insurance providers have a different way to define a safe driver. Car owners with a clean history of three years or more, i.e., no ticket or an accident, can avail of these discounts. Insurance providers offer a good-driver discount ranging from 10%to 40%. Therefore, it is of utmost importance to follow traffic rules and regulations.
For instance, automobile owners with particular driving violations like driving without headlights or running a speed light tend to pay $88 to $467 extra on their auto insurance, respectively. So, auto owners following all the safety precautions while on the road can save a few dollars here.
c. Multi-Car Discounts
Auto owners find it hard to wrap their heads around the fact that they can avail themselves of multi-car discounts by insuring their vehicles from one insurance company. The insurer who has more than one vehicle on a policy can get fantastic deals on their car insurance rates. In Lamar, those who have two vehicles will have to spend $3,529 on car insurance, where they can save up to $481. Car owners in Lamar with 3 and 4 cars can save up to $722 and $962 on Lamar insurance by spending $5,293 and $7,058 on car insurance.
Factors that can influence the cost of car insurance in Lamar, 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.
- Lamar, TX Auto Insurance Rates
- Lamar, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lamar, TX
- Multi Vehicle Insurance Savings in Lamar, TX
- How Credit Score Affects Car Insurance Rates in Lamar, TX
- How DUI Affects Auto Insurance Premiums in Lamar, TX
- Top Auto Insurance Agents Near Lamar, TX
- How Driving Violations Affect Auto Insurance Rates in Lamar, TX
- Lamar, TX Auto Insurance Discounts on Anti Theft Feature
Lamar, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lamar, TX with that of other cities in and around Lamar.
| Lamar | Fulton | Bayside | Aransas County | Refugio County | Rockport | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,005 | $1,992 | $1,858 | $1,954 | $1,854 | $1,946 |
Lamar, 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 Lamar, 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) |
|---|---|---|
| Lamar | $1,181 | $998 |
| Holiday Beach | $1,218 | $1,029 |
| Fulton | $1,500 | $1,267 |
| Aransas County | $1,538 | $1,299 |
| Rockport | $2,862 | $2,418 |
| Bayside | $1,295 | $1,094 |
| Refugio County | $1,269 | $1,072 |
| Austwell-Tivoli | $2,720 | $2,298 |
Lamar, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lamar, 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 | $6,506 |
| 20 Years | $2,576 |
| 30 Years | $1,984 |
| 40 Years | $1,909 |
| 50 Years | $1,768 |
| 60 Years | $1,793 |
| 70 Years | $2,087 |
Lamar, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lamar, 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 | $3,529 | $481 |
| 3 Vehicles | $5,293 | $722 |
| 4 Vehicles | $7,058 | $962 |
Savings on 2 Vehicles bundle:$481
Savings on 3 Vehicles bundle:$722
Savings on 4 Vehicles bundle:$962
Lamar, 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 Lamar, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Lamar | $2,005 | $3,121 |
| Holiday Beach | $1,841 | $2,866 |
| Fulton | $1,992 | $3,101 |
| Aransas County | $1,954 | $3,042 |
| Rockport | $1,946 | $3,029 |
| Bayside | $1,858 | $2,892 |
| Refugio County | $1,854 | $2,886 |
| Austwell-Tivoli | $1,858 | $2,892 |
Lamar, 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) | $1,720 |
| Excellent (740-799) | $1,964 |
| Good (670-739) | $2,089 |
| Average (580-669) | $2,726 |
| Poor (300-579) | $3,270 |
Lamar, 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 |
|---|---|---|---|
| Arthur Cantu | State Farm | 1909 Highway 35 N, Rockport, 78382-3344 | 361-729-1007 |
| Joshua Crow | Allstate | 2857 Highway 35 N, Rockport, 78382 | (361) 727-9500 |
| Gsm Insurers | Allstate | 1102 E Laurel St, Rockport, 78382 | (361) 729-6722 |
| Cody Edwards | Farmers | 3606 John Stockbauer Dr, Victoria, 77904 | (361) 580-3295 |
| Gsm Insurors | Liberty Mutual Independent | 1102 E Laurel St, Rockport, 78382 | (361) 729-6722 |
| Jim Steelhammer | State Farm | 5003 H North John Stockbauer, Victoria, 77904 | 361-578-4045 |
| Jim Steelhammer | State Farm | 5003 H North John Stockbauer, Victoria, 77904 | 361-578-4045 |
Lamar, 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 | +$88 | $2,093 |
| Driver's Failure In Showing Documents | +$194 | $2,199 |
| Driving With An Expired Registration | +$207 | $2,212 |
| Driving At A Considerably Slow Pace | +$435 | $2,440 |
| Using A Cellphone While Driving | +$459 | $2,464 |
| Running A Red Light | +$467 | $2,472 |
| Speeding | +$491 | $2,496 |
| Driving A Vehicle Without The Required Permission | +$624 | $2,629 |
| Driving With An Expired/Suspended License | +$1,351 | $3,356 |
Lamar, 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 | $1,925 |
| Active Disabling Device | $1,925 |
| Tracking Device | $1,885 |
| Passive Disabling Device | $1,865 |