Are you regretting the purchase of an overpriced auto insurance policy? You're in good company because there are many Grand Prairie consumers feeling the pinch from expensive auto insurance.

Unbelievable but true, almost 70% of drivers in Texas have been with the same company for over three years, and roughly 40% of drivers have never even compared quotes to find cheap rates. Consumers in the U.S. can save almost $859 each year just by getting comparison quotes, but they don't believe the amount of money they would save if they replace their high priced policy. Because you have many choices, it is hard for the average consumer to find a lower cost auto insurance company.

Choosing the most cost-effective auto insurance policy in Grand Prairie is not rocket science. If you are insured now or are looking for a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Drivers just need to learn the least time-consuming way to get comparison quotes instantly.

Auto insurance companies offering competitive prices in Texas

The companies shown below are our best choices to provide comparison quotes in Texas. If multiple companies are listed, we recommend you compare several of them to get the lowest price.

Insurance Cost Estimates for Popular Vehicles in Grand Prairie
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 4WD $1,088 $544 $91
Dodge Grand Caravan CV $1,368 $684 $114
Dodge Ram Crew Cab Sport 4WD $1,778 $889 $148
Ford Escape XLS 4WD $846 $423 $71
Ford F-150 FX2 2WD $1,226 $613 $102
Ford Focus SE 4-Dr Sedan $988 $494 $82
Honda Accord LX-P 4-Dr Sedan $886 $443 $74
Honda CR-V EX-L 2WD $1,008 $504 $84
Honda Civic DX 4-Dr Sedan $1,450 $725 $121
Hyundai Elantra Blue 4-Dr Sedan $1,228 $614 $102
Hyundai Sonata GLS 4-Dr Sedan $1,188 $594 $99
Kia Optima EX $1,034 $517 $86
Nissan Altima 3.5 SR 2-Dr Coupe $1,378 $689 $115
Toyota Camry LE $1,356 $678 $113
Toyota Corolla XLE $1,616 $808 $135
Toyota RAV4 Limited 4WD $1,024 $512 $85
Toyota Tacoma 4WD $952 $476 $79
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in zip code location which can decrease or increase premium rates substantially.

Deductible comparison

The hardest decision when buying coverage is where to set your physical damage deductibles. The following insurance rates can help show the rate differences between low and high comp and collision deductibles. The first pricing table uses a $100 deductible and the second pricing table uses a $500 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SE 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SEL 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SES 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SE 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Focus SES 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
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Ford Focus insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Focus SE 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Focus SEL 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Focus SES 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Focus SE 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Focus SES 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in your specific Grand Prairie location which can modify coverage prices noticeably.

Based on these figures, using a $100 deductible will cost in the ballpark of $26 more each month or $312 annually than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claim filings, you would save more money if you elect the higher deductible.

Do you qualify for discounts on insurance?

Insuring your fleet can be pricey, but you may qualify for discounts that can help lower your rates. Certain credits will be shown when you get a quote, but less common discounts must be asked for before you get the savings. If they aren't giving you every credit you deserve, you are not getting the best rate possible.Cheaper insurance with discounts

You can save money using discounts, but many deductions do not apply to the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though you would think adding up those discounts means a free policy, you won't be that lucky.

To see a list of providers who offer free insurance quotes in Texas, click here to view.

Buying car insurance from Grand Prairie auto insurance agents

A small number of people would prefer to talk to a local agent and that can be a great decision Good insurance agents can make sure you are properly covered and help file insurance claims. The best thing about comparing rates online is the fact that drivers can get lower rates and still have a local agent.

Grand Prairie insurance agentsBy using this short form, your insurance coverage information is submitted to local insurance agents in Grand Prairie who will give you bids and help you find cheaper coverage. There is no reason to leave your house because quoted prices will be sent immediately to your email address. If for some reason you want to compare rates for a specific company, you can always navigate to their website and fill out the quote form the provide.

Finding the right insurance company shouldn't rely on just the quoted price. Here are some questions you might want to ask.

Can switching companies really save?

Texas drivers constantly see and hear ads that promise big savings by Progressive, Allstate and GEICO. They all try to convey promises about savings if you just switch your insurance policy to them.

But how can every company cost less than your current company? This is the trick they use.

Insurance companies have a certain "appetite" for the type of driver that will add to their bottom line. For instance, a profitable insured could possibly be between the ages of 30 and 45, carries high limits, and does not commute to work. A driver who meets those qualifications will most likely get cheap car insurance rates and will most likely cut their rates substantially.

Insureds who cannot meet those standards will be charged higher prices which leads to business not being written. The ad wording is "customers who switch" not "everyone that quotes" will save that much if they switch. That's the way companies can advertise the way they do. Because of this risk profiling, you need to do a price quote comparison at every renewal. It's just not possible to know the company that will have the lowest rate quotes.

Quote more to save more

The cheapest insurance in Grand Prairie can be bought on the web and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers may not offer the ability to get quotes online and these smaller providers provide coverage only through local independent agencies.

We've covered a lot of ways to get a better price on insurance in Grand Prairie. The key concept to understand is the more providers you compare, the better your comparison will be. You may even be surprised to find that the lowest car insurance rates come from the least-expected company. These companies may only write in your state and offer lower premium rates than their larger competitors like State Farm or Progressive.

When buying insurance coverage, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, an insured cut liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

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