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

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

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


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

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

Southmayd Howe Knollwood Southwest Grayson Sherman Dorchester
Average Insurance Rates $1,823 $1,882 $1,772 $1,955 $1,303 $1,418

Southmayd, 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 Southmayd, 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)
Southmayd $1,282 $1,083
Grayson County $1,211 $1,023
Sherman $2,366 $1,998
Dorchester $1,461 $1,234
Knollwood $1,344 $1,135
Sadler $1,294 $1,093
Southwest Grayson $1,022 $863
Howe $1,453 $1,228

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

Teenagers in Southmayd, 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 $5,915
20 Years $2,342
30 Years $1,804
40 Years $1,736
50 Years $1,607
60 Years $1,630
70 Years $1,897

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

Car owners in Southmayd, 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 $3,172 $474
3 Vehicles $4,758 $711
4 Vehicles $6,344 $948

Savings on 2 Vehicles bundle:$474

Savings on 3 Vehicles bundle:$711

Savings on 4 Vehicles bundle:$948


Southmayd, 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 Southmayd, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Southmayd $1,823 $2,838
Grayson County $1,900 $2,958
Sherman $1,303 $2,028
Dorchester $1,418 $2,207
Knollwood $1,772 $2,759
Sadler $1,843 $2,869
Southwest Grayson $1,955 $3,043
Howe $1,882 $2,930

Southmayd, 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) $1,564
Excellent (740-799) $1,785
Good (670-739) $1,900
Average (580-669) $2,478
Poor (300-579) $2,974

Southmayd, 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
Brian Kimberlin Farmers 121 W Lamberth Rd Ste B, Sherman, 75092 (903) 771-4900
Danny Ditmanson State Farm 2114 Texoma Pkwy Ste 700, Sherman, 75090-2692 903-893-8400
Christie Schoonover State Farm 7290 Virginia Pkwy Ste 110, McKinney, 75071-5741 214-544-3276
Brent Cooper State Farm 5232 Forest Ln Ste 111, Dallas, 75244-8034 214-987-1995
Jason Lanemann Farmers 2601 Network Blvd Ste 208, Frisco, 75034 (817) 584-3434
Mccullough & Pierso Travelers 521 N TRAVIS ST, SHERMAN, 75090 903-868-1200
Ima Inc Liberty Mutual Independent 14185 DALLAS PKWY STE 800, DALLAS, 75254 (972) 581-4400
Mcgriff Seibels & Williams Of Texas Inc Liberty Mutual Independent 5080 Spectrum Dr Ste 900E, Addison, 75001 None
Dick Meyers State Farm 12900 Preston Rd Ste 150, Dallas, 75230-1331 972-233-8246
Grayhawk Ins & Risk Management Services Inc Travelers 1740 N COLLINS BLVD STE 200, RICHARDSON, 75080 972-671-9105

Southmayd, 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 $1,903
Driver's Failure In Showing Documents +$177 $2,000
Driving With An Expired Registration +$188 $2,011
Driving At A Considerably Slow Pace +$396 $2,219
Using A Cellphone While Driving +$417 $2,240
Running A Red Light +$425 $2,248
Speeding +$447 $2,270
Driving A Vehicle Without The Required Permission +$567 $2,390
Driving With An Expired/Suspended License +$1,229 $3,052

Southmayd, 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 $1,750
Active Disabling Device $1,750
Tracking Device $1,714
Passive Disabling Device $1,695