How long have you put off shopping around for cheaper auto insurance rates in Angleton, TX? Angleton buyers have many options when searching for the lowest priced car insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to make rate comparisons.
There is a better way to find auto insurance online so we're going to tell you the best way to price shop coverage for a new or used and obtain the lowest price from Angleton insurance agents and online providers.
You need to take a look at other company's rates before your policy renews because prices are adjusted regularly by insurance companies. Even if you think you had the best price on auto insurance a year ago you can probably find a better rate quote now. There is lot of inaccurate information about auto insurance out there, but by reading this article, you're going to learn some proven techniques to lower your auto insurance premiums.
If you're already insured or just want a better rate, use these cost-cutting techniques to buy cheaper car insurance without reducing coverage. We hope to teach you the best way to buy inexpensive car insurance and also pocket some savings Shoppers just have to use the fastest way to compare rate quotes online.
Low-cost auto insurance companies in Angleton
The companies in the list below are ready to provide free quotes in Angleton, TX. If you want to find cheap car insurance in Texas, we recommend you visit as many as you can to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LS||$1,290||$645||$108|
|Chevrolet Malibu LT||$1,224||$612||$102|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,108||$554||$92|
|Dodge Grand Caravan Hero||$1,284||$642||$107|
|Dodge Ram Quad Cab SLT 4WD||$1,218||$609||$102|
|Ford Escape Limited 2WD||$1,042||$521||$87|
|Ford F-150 Lariat King Ranch 4WD||$1,304||$652||$109|
|Ford Focus SE 2-Dr Coupe||$1,282||$641||$107|
|Honda Accord LX-P 4-Dr Sedan||$1,380||$690||$115|
|Honda CR-V LX 4WD||$1,082||$541||$90|
|Honda Civic SI 4-Dr Sedan||$1,518||$759||$127|
|Honda Odyssey EX-L W/Rear Entertainment||$1,038||$519||$87|
|Hyundai Sonata Limited 4-Dr Sedan||$1,376||$688||$115|
|Nissan Altima Hybrid 4-Dr Sedan||$1,254||$627||$105|
|Toyota Camry LE||$1,352||$676||$113|
|Toyota Corolla XRS||$1,626||$813||$136|
|Toyota RAV4 Sport 4WD||$1,024||$512||$85|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in your specific Angleton location which can raise or lower coverage prices noticeably.
How accidents and tickets impact rates
The example below shows how traffic citations and at-fault accidents can influence Hyundai Sonata auto insurance costs for different categories of driver ages. The data assumes a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
What impacts Angleton car insurance rates?
Lots of factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious like where you live or how safe your car is.
- Maintain insurance coverage - Having a lapse in insurance coverage can be a quick way to pay more for insurance. Not only will you pay more, getting caught without coverage may result in a hefty fine and possibly a revoked license.
- Occupation can influence rates - Jobs like doctors, executives and dentists usually pay higher rates than the rest of us due to intense work-related stress and long work hours. On the flip side, occupations such as scientists, students and retirees get better rates.
- Do you know your comp and collision deductibles? - Comprehensive and collision coverage deductibles define how much you are willing to pay if a covered claim is submitted. Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some coverage claims are collision with another vehicle, damage from fire, and having a roll-over accident. The higher the amount the insured is willing to pay, the lower your rates will be.
- Five star NHTSA crash test rating saves money - Cars with high safety ratings can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means your insurance company pays less and cheaper rates on your policy.
Save money by getting discounts
The cost of insuring your cars can be expensive, but there may be some discounts that you may not even be aware of. Some of these discounts will be visible when you get a quote, but a few need to be asked for before they will apply.
- ABS Brakes - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Discounts for Government Workers - Simply working for the federal government could cut as much as 10% off depending on your company.
- Senior Discount - If you qualify as a senior citizen, you are able to get a slight reduction on a Angleton car insurance quote.
- Accident Free - Drivers with accident-free driving histories pay less as compared to insureds who have frequent claims or accidents.
- Own a Home - Just owning your own home can help you save on auto insurance because it requires a higher level of personal finance.
- Military Discounts - Being on active deployment in the military could qualify you for better prices.
- Distant Student Discount - Children who live away from home to go to college and don't have a car could qualify for this discount.
- No Charge for an Accident - This one isn't a discount, but certain companies permit an accident before they charge you more for coverage as long as you don't have any claims prior to being involved in the accident.
Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, auto insurance companies aren't that generous.
To find insurance companies with significant discounts in Texas, click here to view.
Shop online but buy locally
Some people just want to get advice from a local agent and that can be a smart move Good agents can point out coverage gaps and help submit paperwork. One of the benefits of comparing rates online is that you can obtain lower rates and still choose a local agent. Supporting local agencies is especially important in Angleton.
By using this simple form, your information is submitted to insurance agents in Angleton who will gladly provide quotes to get your business. There is no need to find an agent on your own due to the fact that quote results will go to the email address you provide. If you need to get a comparison quote from a specific insurance company, you just need to visit that company's website and fill out their quote form.
Finding the right insurer requires you to look at more than just the bottom line cost. Before buying a policy in Angleton, get answers to these questions.
- Who are their largest clients?
- Are they in the agency full-time?
- Has the agent ever had any license suspensions?
- How long have they worked with personal auto insurance coverage?
- Is the agency covered by Errors and Omissions coverage?
- Do the agents have professional certifications like CPCU or CIC?
- If you are a high risk driver, do they have special markets for your coverage?
- How long have they been in business?
Auto insurance advertisements
Consumers can't get away from all the ads that claim the lowest premium rates from companies such as Progressive, Allstate and GEICO. All the companies advertise claims that people will save if you just switch your policy.
Is it even possible that every company can sell you cheaper insurance coverage? You have to listen carefully.
Companies have strict underwriting profiles for the type of driver that makes them money. An example of this type of driver might have to be a married female, has had continuous coverage, and drives less than 10,000 miles a year. A customer that fits those parameters will probably get cheap car insurance rates as well as save when they switch companies.
Potential customers who don't qualify for those standards will see a higher rate which results in the customer buying from someone else. If you listen closely, the ads state "drivers who switch" not "everyone who quotes" save that much when switching. That's why companies can lure you into getting a quote.
Because every company is different, you really should compare rate quotes every year. It's impossible to know which auto insurance company will have the lowest auto insurance in Angleton.
There's no such thing as the perfect insurance policy
When selecting your policy for your personal vehicles, there isn't really a "perfect" insurance plan. Every situation is different so your insurance should reflect that These are some specific questions might help in determining whether your personal situation might need an agent's assistance.
- What is covered by UM/UIM coverage?
- When should I not buy collision coverage?
- Where can I find DUI or SR-22 insurance?
- Does my car insurance cover rental cars?
- Is my nanny covered when driving my vehicle?
- Can I get a multi-policy discount for packaging my home and auto coverage?
If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Cheaper coverage is out there
When searching for the cheapest Angleton car insurance quotes, do not buy poor coverage just to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.
We just covered a lot of tips how to find cheaper coverage online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. You may even find the lowest priced car insurance comes from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.
To learn more, take a look at the articles below:
- Rental Reimbursement Coverage (Allstate)
- Who Has Cheap Auto Insurance for 18 Year Olds in Texas? (FAQ)
- What Auto Insurance is Cheapest in Plano, Texas? (FAQ)
- How Much is Car Insurance for a GMC Sierra in Texas? (FAQ)
- How Much is Auto Insurance for Young Drivers in Texas? (FAQ)
- What Auto Insurance is Cheapest for a Ford Fusion in Texas? (FAQ)
- Red Light Cameras (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)
- Child Safety Seats (Insurance Information Institute)