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					Accidents, tickets, or claims can increase your      Driver 4:    Single female, age 35                   Shopping Tips                                           Texas Depar tment of Insurance

rates. If you have any accidents, tickets, or        Driver 5:    Married male, age 35                    • Get quotes from several companies. Include
claims on your driving record during the past
three years, your rates may be higher.
                                                     Driver 6:
                                                     Driver 7:
                                                                  Married female, age 35
                                                                  Single male, age 66
                                                                                                            independent agents in your search. Some
                                                                                                            agents only represent a single company or
                                                                                                                                                                    Automobile
Auto insurance companies in Texas set their
                                                     Driver 8:    Single female, age 66                     company group. Independent agents may rep­              Insurance
own rates and file them with Texas Department
                                                     Driver 9:
                                                     Driver 10:
                                                                  Married male, age 66
                                                                  Married female, age 66
                                                                                                            resent several companies.
                                                                                                          • Consider factors other than cost. Also con­
                                                                                                                                                                    Sample Rate
of Insurance (TDI) for review. Companies do
not have to receive prior approval before using      A.M. Best Rating
                                                                                                            sider a company’s financial rating and com­
                                                                                                            plaint history.
                                                                                                                                                                    Comparisons
their rates, but if TDI determines that a compa­     The A.M. Best rating indicates the financial         • Ask about discounts. Discounts vary by com­
                                                                                                                                                                    Big Country
ny’s filed rates are excessive, it can order the     strength and operating performance of each
company to make refunds.                                                                                    pany. Some companies may offer discounts if
                                                     company. The ratings are reprinted by permis­          you have multiple policies with the company,
How to Use the Rate Comparisons                      sion. Best’s ratings are subject to change and are     have anti-theft devices in your car, or have
This guide can help you compare sample annu­         current as of the publication date. For current        completed a driver education course. Other
al rates for companies that sell auto liability      rating information, call A.M. Best or visit its        discounts may be available.
insurance in Texas. It includes companies            website                                              • Ask what coverages are included. Coverages
among the top 25 insurer groups nationally and         1-908-439-2200
                                      and limits can vary from policy to policy.
others that asked to be in the guide. The guide        www.ambest.com
                                      Choose a policy with the coverages you need
is not a complete list of all companies selling                                                             and with limits that will adequately protect
auto insurance in your area, and you should not      Ratings Classifications                                your assets.
limit your search to only the companies listed.      A++ and A+ mean Superior                             • Consider buying more coverage. If you are             TEXAS LAW REQUIRES proof     of financial respon­
                                                     A and A- mean Excellent                                legally responsible for an accident, the basic        sibility for anyone who drives an automobile in
The sample rates shown are estimates given to
                                                     B++ and B+ mean Very Good                              liability limits may not be enough.                   the state. Most Texans choose to purchase liabil­
TDI by the companies and are not the exact
                                                     B and B- mean Fair                                   • Answer all questions on the application               ity insurance to meet this requirement.
amount you will be quoted. Contact the compa­
                                                     C++ and C+ mean Marginal                               truthfully. Wrong information could result in
nies directly for a quote based on your individ­                                                                                                                  Liability insurance pays for bodily injury, prop­
                                                     C and C- mean Weak                                     an incorrect price quote or a denial or cancel­
ual circumstances.                                                                                                                                                erty damage, and some additional expenses of
                                                     NR means the company was not rated by A.M.             lation of coverage.
The sample rates are for minimum liability cov­                                                                                                                   other drivers, their passengers, and your passen­
                                                     Best.                                                • Don’t cancel a policy until you have a new
erage only. Liability coverage does not pay for                                                                                                                   gers when you or a driver covered by your poli­
                                                                                                            policy in effect.
damages to your own vehicle. You’ll need to add      A.M. Best Co. is not responsible for errors in                                                               cy causes an accident. Liability insurance does
collision and comprehensive coverages to your        presentation or content and does not endorse         Unfair Discrimination                                   not pay for damage to your own vehicle.
policy to repair or replace your vehicle if it’s     this publication in any way.                         An insurance company cannot deny, refuse to
                                                                                                                                                                  The current minimum liability limits required by
damaged or stolen. If you still owe money on                                                              renew, limit or charge more for coverage, or
                                                     Complaint Index                                                                                              law are $25,000 for each injured person, up to a
your car, your lender will require you to have                                                            unfairly discriminate because of your race,
                                                     The complaint index shows how consumer                                                                       total of $50,000 per accident, and $25,000 for
these coverages.                                                                                          color, religion, or national origin. A company
                                                     complaints filed against a company compare to                                                                property damage per accident. This basic cover­
                                                                                                          also may not discriminate because of your age,
Driver Profiles                                      the average for other companies selling the                                                                  age is called “25/50/25” coverage. The limits
                                                                                                          gender, marital status, geographic location, or
The sample rates are based on hypothetical driv­     same type of insurance.                                                                                      will increase on January 1, 2011 to “30/60/25”
                                                                                                          disability or partial disability, unless the refusal,
er “profiles.” The profiles may not match your       The average index is 1.00. A complaint index                                                                 coverage.
                                                                                                          limitation, or higher rate is based on sound
situation exactly, but they provide a way to com­    less than 1.00 indicates that a company received     underwriting or actuarial principles. This means        Understanding Rates
pare prices. View the sample rates for the profile   fewer complaints than average, and an index          the company must have valid evidence that you           Auto insurers evaluate your risk for a claim
that most closely matches your situation. All of     greater than 1.00 indicates that a company           present a greater risk for a loss than drivers it is    using your driving record and numerous other
the hypothetical drivers drive their cars to and     received more complaints than average.               willing to insure.                                      factors, including the type of car you drive, the
from work, live in a town or city, don’t have any    The complaint index is calculated periodically.                                                              area where you live, your claims history, your
traffic violations, and have “average” credit.       For the current index, view the sample rate                      Published by the                            insurance credit score, your age, and how you
Driver 1: Single male, age 18                        comparisons on our website at www.helpin­                        Texas Department of Insurance               use your car (for pleasure or to drive to and
Driver 2: Single female, age 18                      sure.com.                                                        October 2009                                from work). Your rates are based on your risk
Driver 3: Single male, age 35                                                                                                  apc08.1009                         for a claim.
As of June 1, 2009                                         D R I V E R P R O F I L E S & S A M P L E A N N U A L R AT E S 	                                                                  Visit Helpinsure.com
                                                                                                                                              A.M. BEST   COMPLAINT
                                  COMPANY NAME         1       2       3        4        5         6        7        8         9        10       RATING   INDEX       CONSUMER PHONE
                                                                                                                                                                                             Helpinsure.com is a free service of the Texas
            AAA Texas County Mutual Ins. Co.         $989    $805    $291    $293      $274      $278     $314     $307      $303     $300       A+       2.48        (866) 487-4222         Department of Insurance and the Office of
                                AIG Casualty Co.     3,801   2,783     874     874      815       815      860      860       800      800        A       0.00        Contact local agent
                                                                                                                                                                                             Public Insurance Counsel to help you shop for
                                                                                                                                                                                             auto insurance. The website lists sample rates
                        AIG Centennial Ins. Co.      1,136     934     313     290      286       309      300      290       338      340        A       0.82        (877) 310-5687
                                                                                                                                                                                             for hundreds of additional driver profiles that
               Allstate County Mutual Ins. Co.       1,057     926     566     537      554       546      567      567       567      567       A+       1.75        (800) 255-7828
                                                                                                                                                                                             may more closely match your situation. You’ll
            Allstate Fire and Casualty Ins. Co.        697     606     286     297      255       265      287      287       287      287       A+       1.62        (800) 255-7828         also find information about discounts, detailed
    Colonial County Mutual Ins. Co.–Criterion        1,090     956     362     396      346       346      466      380       346      346       A+       1.22        (800) 841-3000         policy coverage comparisons, the percentage by
   Colonial County Mutual Ins. Co.–Lone Star         1,433   1,112     422     418      407       407      396      392       384      381       A+       1.22        (800) 882-2822         which each company’s rates have changed over
           Consumers County Mutual Ins. Co           2,128   1,334     282     274      282       272      306      288       300      304       NR       1.17        Contact local agent    time, and shopping tips.
                    Encompass Indemnity Co.          1,657   1,382     509     509      457       457      478      478       448      448       A+       0.00        Contact local agent       www.helpinsure.com
                               Esurance Ins. Co.     2,644   2,122     852     840      762       734      942      834       794      790        A-      5.13        (800) 378-7262
 Farm Bureau County Mutual Ins. Co. of Texas         1,304   1,011     393     393      393       393      393      393       393      393        A-      0.11        Contact local agent    For More Information or Assistance
        Farmers Texas County Mutual Ins. Co.         2,337   1,787     420     420      420       420      353      353       353      353        A       0.52        (800) 327-6377         For answers to general insurance questions or
                           GEICO Indemnity Co.       1,060     930     352     386      336       336      453      369       336      336      A++       0.81        (800) 861-8380
                                                                                                                                                                                             for information on filing an insurance-related
                                                                                                                                                                                             complaint, call the Consumer Help Line between
              Government Employees Ins. Co.          1,061     860     249     237      193       193      288      288       273      273      A++       0.50        (800) 861-8380
                                                                                                                                                                                             8 a.m. and 5 p.m., Central time, Monday-Friday,
Home State County Mutual Ins. Co.–Esurance           2,440   1,966     808     798      726       702      892      792       758      754       NR       2.01        (800) 378-7262         or visit our website
  Home State County Mutual Ins. Co.–Safeco           1,118     980     285     287      286       275      255      223       270      215       NR       2.01        Contact local agent
    Home State County Mutual Ins. Co.–Titan          1,233   1,101     432     448      385       351      412      361       364      283       NR       2.01        (800) 848-2687
                                                                                                                                                                                                1-800-252-3439
                                                                                                                                                                                                463-6515 in Austin
                Liberty County Mutual Ins. Co.       1,381     867     350     350      350       350      345      345       345      345        A       0.98        Contact local agent
                                                                                                                                                                                                www.tdi.state.tx.us
                                    Loya Ins. Co.    2,745   2,089   1,077   1,005      805       721    1,029      849       841      713       NR       3.25        (800) 554-0595
                               Merastar Ins. Co.     2,022   1,570     610     610      610       610      550      550       550      550        A-      8.57        (800) 637-2782         For printed copies of consumer publications,
               Mercury County Mutual Ins. Co.        1,470   1,224     522     480      440       426      662      582       522      494        A-      1.42        (800) 503-3724         call the 24-hour Publications Order Line
         Metropolitan Lloyds Ins. Co. of Texas       1,064     864     351     267      267       261      275      275       296      239        A       1.04        (800) 422-4272            1-800-599-SHOP (7467)
                     National General Ins. Co.       2,052   1,623     505     599      402       365      656      539       500      402      B++       0.67        (800) 462-2123            305-7211 in Austin
    Old American County Mutual Fire Ins. Co.         1,857   1,380     545     535      479       392      547      570       577      386       NR       4.64        Contact local agent
                                                                                                                                                                                             Help us prevent insurance fraud. To report sus-
   Progressive County Mutual Ins. Co.–Agent          1,641   1,388     327     331      285       280      364      331       313      291       A+       0.74        Contact local agent
                                                                                                                                                                                             pected fraud, call our toll-free Fraud Hot Line
         Progressive County Mutual Ins. Co.–         1,707   1,291     277     277      259       251      367      311       277      289       A+       0.74        (800) 776-4737

                                    Direct Rates                                                                                                                                               1-888-327-8818

            Southern County Mutual Ins. Co.–         1,634   1,463    473      437      462       426      550       531      531       514       A-      1.11        (877) 422-4567
                               Hartford Casualty
                                                                                                                                                                                             To report suspected arson or suspicious activity
                                                                                                                                                                                             involving fires, call the State Fire Marshal’s 24­
            Southern County Mutual Ins. Co.–         1,042     942    406      377      386       359      331      342       320       331       A-      1.11        (888) 808-5254
                                    Hartford Fire
                                                                                                                                           hour Arson Hot Line
  State Farm County Mutual Ins. Co. of Texas         1,279     991    400      400      400       400      359      359       359      359      A++       0.47        Contact local agent       1-877-4FIRE45 (434-7345) 

       State Farm Mutual Automobile Ins. Co.         1,096     850    344      344      344       344      308      308       308      308      A++       0.27        Contact local agent
   The sample rates are estimates given to TDI by the companies
Texas Automobile Insurance Plan Association          1,130     880    391      391      391       391      391      391       391      391       NR       0.00        (866) 321-9154         listed. Your actual premium will be based on your individual
          Texas Farm Bureau Mutual Ins. Co.            959     744    289      289      289       289      289      289       289      289        A-      0.22        Contact local agent    circumstances and could be higher or lower than the sample
                       Trinity Universal Ins. Co.    1,238   1,078    448      448      432       448      388      388       388      388        A-      0.73        Contact local agent	   rates shown. To get an exact premium quote, contact the com­
      United Services Automobile Association           604     530    210      210      185       188      209      206       197      198      A++       0.63        (800) 531-8722
                                                                                                                                                                                             pany or an agent directly. Some companies may require you to
                                                                                                                                                                                             meet eligibility requirements. Sample rates are provided for
       Unitrin County Mutual Ins. Co.–Charter        2,254   1,850    538      528      485       477      551      543       498      490        A-      1.93        Contact local agent    informational purposes only. TDI does not endorse any prod-
                          Unitrin Direct Ins. Co.    1,558   1,188    424      428      404       392      536      468       428      440        A-      0.00        (800) 216-6347         uct, service, or company.
                  USAA County Mutual Ins. Co.          718     628    237      237      208       211      236      232       222      223      A++       0.81        (800) 531-8722

                 The sample rates are estimates. Contact an agent or company for a rate quote. Visit HelpInsure.com for additional profiles and more detailed information.

				
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