Oak Point, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Oak Point, 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.
Factors that can influence the cost of car insurance in Oak Point, 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.
- Oak Point, TX Auto Insurance Rates
- Oak Point, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Oak Point, TX
- Multi Vehicle Insurance Savings in Oak Point, TX
- How Credit Score Affects Car Insurance Rates in Oak Point, TX
- How DUI Affects Auto Insurance Premiums in Oak Point, TX
- Top Auto Insurance Agents Near Oak Point, TX
- How Driving Violations Affect Auto Insurance Rates in Oak Point, TX
- Oak Point, TX Auto Insurance Discounts on Anti Theft Feature
Oak Point, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Oak Point, TX with that of other cities in and around Oak Point.
| Oak Point | Cross Roads | Paloma Creek South | Lake Dallas | Little Elm | Lincoln Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,997 | $2,232 | $2,027 | $1,939 | $2,013 | $1,777 |
Oak Point, 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 Oak Point, 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) |
|---|---|---|
| Oak Point | $1,408 | $1,189 |
| Lakewood Village | $1,899 | $1,604 |
| Shady Shores | $1,085 | $916 |
| Cross Roads | $1,860 | $1,571 |
| Little Elm | $1,514 | $1,279 |
| Lincoln Park | $1,830 | $1,546 |
| Paloma Creek South | $1,487 | $1,256 |
| Lake Dallas | $1,719 | $1,452 |
Oak Point, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Oak Point, 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 | $6,480 |
| 20 Years | $2,566 |
| 30 Years | $1,976 |
| 40 Years | $1,902 |
| 50 Years | $1,761 |
| 60 Years | $1,785 |
| 70 Years | $2,078 |
Oak Point, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Oak Point, 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 | $3,395 | $599 |
| 3 Vehicles | $5,092 | $899 |
| 4 Vehicles | $6,790 | $1,198 |
Savings on 2 Vehicles bundle:$599
Savings on 3 Vehicles bundle:$899
Savings on 4 Vehicles bundle:$1,198
Oak Point, 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 Oak Point, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Oak Point | $1,997 | $3,109 |
| Lakewood Village | $2,074 | $3,229 |
| Shady Shores | $2,120 | $3,300 |
| Cross Roads | $2,232 | $3,475 |
| Little Elm | $2,013 | $3,134 |
| Lincoln Park | $1,777 | $2,766 |
| Paloma Creek South | $2,027 | $3,156 |
| Lake Dallas | $1,939 | $3,019 |
Oak Point, 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) | $1,713 |
| Excellent (740-799) | $1,956 |
| Good (670-739) | $2,081 |
| Average (580-669) | $2,715 |
| Poor (300-579) | $3,257 |
Oak Point, 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 |
|---|---|---|---|
| Mark Tucker | Allstate | 3572 FM 2181, Hickory Creek, 75065 | (214) 802-8387 |
| Russell Key | Farmers | 6170 Research Rd Ste 215, Frisco, 75033 | (214) 618-9425 |
| Antonio Gutierrez | State Farm | 12000 Us Highway 380 Ste 106, Crossroads, 76227-2340 | 940-365-0100 |
| The Jarrell Agency | None | 5028 Ashlock Dr , The Colony, 75056 | None |
| Jeff Cain | State Farm | 4181 Main St Ste 800, The Colony, 75056-2803 | 469-384-5333 |
| Adam D. West | Liberty Mutual | 1701 Shoal Creek Suite 246, Highland Village, 75077 | 1-972-317-9630 |
| Fellers Insurance Agency | Liberty Mutual Independent | 1422 W Main St 1422 W Main St, Lewisville, 75067 | None |
| Austin Allen Llc | Nationwide | 3700 Stanbridge Dr STE 100, The Colony, 75056 | (972) 695-4444 |
| Maritza Leon | Farmers | 111 E University Dr Ste 108, Denton, 76209 | (940) 591-6800 |
Oak Point, 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 | $2,085 |
| Driver's Failure In Showing Documents | +$194 | $2,191 |
| Driving With An Expired Registration | +$206 | $2,203 |
| Driving At A Considerably Slow Pace | +$433 | $2,430 |
| Using A Cellphone While Driving | +$457 | $2,454 |
| Running A Red Light | +$465 | $2,462 |
| Speeding | +$489 | $2,486 |
| Driving A Vehicle Without The Required Permission | +$621 | $2,618 |
| Driving With An Expired/Suspended License | +$1,346 | $3,343 |
Oak Point, 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 | $1,917 |
| Active Disabling Device | $1,917 |
| Tracking Device | $1,877 |
| Passive Disabling Device | $1,857 |