Do you want to save money by finding cheaper car insurance rates in Mansfield, TX? When looking for lower-priced insurance, are you frustrated by the wide range of car insurance companies available to you? Texas consumers have so many options that it can really be a difficult challenge to lower your prices. Mansfield is a great place to live, but expensive premiums for car insurance can make it hard for many residents to be able to buy decent coverage.

A recent NerdWallet.com study revealed that most car insurance policyholders have stayed with the same insurance company for at least the last four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. Texas consumers could save 70% every year by just shopping around, but they don't know the actual amount they would save if they moved their coverage to a different company.

You need to do rate comparisons before your next renewal since insurance rates change regularly. Even if you think you had the best premium rates on car insurance at your last renewal you will most likely find a better price today. There is lot of inaccurate information about car insurance out there, but in a few minutes you can learn the easiest ways to lower your car insurance bill.

Comparison shopping for more affordable coverage in Mansfield is not as hard as you think. Nearly every vehicle owner who needs cheaper auto insurance should be able to save money. But Texas car owners need to learn how big insurance companies compete online and use this information to your advantage.

How much does insurance in Mansfield, Texas cost?

Just remember that comparing more quotes will improve the odds of getting more affordable rates. Not every company allows you to get online rate quotes, so it's important to compare price quotes from them as well.

The following companies have been selected to offer free rate quotes in Texas. If multiple companies are listed, it's a good idea that you visit as many as you can in order to find the cheapest rates.

Insurance Estimates for Popular Vehicles in Mansfield
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $934 $467 $78
Chevrolet Equinox LT AWD $1,142 $571 $95
Chevrolet Malibu LS $1,284 $642 $107
Chevrolet Silverado LT Extended Cab 2WD $1,564 $782 $130
Dodge Ram Crew Cab SLT 4WD $1,538 $769 $128
Ford Escape Limited 2WD $1,146 $573 $96
Ford F-150 STX Regular Cab 2WD $822 $411 $69
Ford Focus SE 4-Dr Sedan $1,290 $645 $108
Honda Accord EX-L 2-Dr Coupe $1,548 $774 $129
Honda CR-V EX-L 2WD $906 $453 $76
Honda Civic LX-S 4-Dr Sedan $1,228 $614 $102
Hyundai Elantra GLS Touring Station Wagon $1,278 $639 $107
Mazda 3 I Sport 4-Dr Sedan $1,634 $817 $136
Nissan Altima 3.5 SR 4-Dr Sedan $1,260 $630 $105
Toyota Camry XLE $1,588 $794 $132
Toyota Corolla XRS $1,642 $821 $137
Toyota RAV4 Limited 2WD $1,634 $817 $136
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific location information which can change auto insurance rates significantly.

How high should deductibles be?

A question often asked by Mansfield drivers is how high should the physical damage deductibles be. The following insurance rates outline how much more rates are between low and high coverage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
Altima 2.5 S 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Altima Hybrid 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Altima 2.5 S 2-Dr Coupe $370 $698 $430 $26 $128 $1,677 $140
Altima 3.5 SR 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Altima 3.5 SR 2-Dr Coupe $370 $804 $430 $26 $128 $1,783 $149
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Nissan Altima insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
Altima 2.5 S 4-Dr Sedan $182 $368 $382 $22 $114 $1,068 $89
Altima Hybrid 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Altima 2.5 S 2-Dr Coupe $206 $368 $430 $26 $128 $1,158 $97
Altima 3.5 SR 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Altima 3.5 SR 2-Dr Coupe $206 $424 $430 $26 $128 $1,214 $101
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location which can influence insurance rates substantially.

Based on these figures, using a $100 deductible will cost in the ballpark of $43 more each month or $516 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 21 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Safe drivers pay cheaper rates

The example below illustrates how speeding tickets and accident claims can affect Honda Pilot yearly insurance costs for different insured age categories. The data assumes a married female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Comparison of policy deductibles

The chart below highlights how deductible choice and can influence Honda Pilot insurance premiums for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Cut your insurance rates with these six discounts

Companies that sell car insurance don't always list the complete list of policy discounts very well, so the list below contains some of the more common and also the more inconspicuous credits available to bring down your rates.Discount insurance

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, it's just not the way it works.

A few of the larger companies and their possible discounts can be read below.

Double check with each company or agent which discounts you qualify for. Some discounts may not apply in Mansfield. If you would like to view insurers that offer many of these discounts in Mansfield, click here to view.

You are unique and your insurance should be too

Always keep in mind that when comparing a policy, there really is not a cookie cutter policy. Your needs are unique to you so your insurance needs to address that.Drive safe and save Here are some questions about coverages that can help discover if your situation could use an agent's help.

If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies.

Why do I need car insurance?

Despite the fact that insurance is not cheap in Mansfield, insuring your vehicle is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of insuring your car more than offset the price you pay, especially with large liability claims. Unknowingly, the average driver is overpaying over $869 every year so it's important to compare rates at every renewal to ensure rates are competitive.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you'll find the usual coverages found on the average auto insurance policy.

Liability

Liability insurance can cover damage or injury you incur to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 30/60/25 which means a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, medical services, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but it's recommended drivers buy higher limits.

Vehicle Models with the Lowest and Highest Auto Insurance Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Volvo XC60 Chevrolet Impala
Mercedes-Benz SL Class Kia Optima
Fiat 500 Mitsubishi Lancer
Chevrolet Corvette Chevrolet Cruze
Acura MDX Mitsubishi Mirage
Audi A6 Kia Rio

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

UM/UIM Coverage

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people only purchase the least amount of liability that is required (30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Auto collision coverage

This covers damage to your vehicle from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Vehicle Make and Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew Ferrari 458
Ford Edge Maserati Granturismo
Chevrolet Colorado Bentley Continental Flying Spur
Mini Cooper Audi RS7
GMC Canyon Nissan GT-R
Nissan Xterra Maserati Ghibli

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, fire damage, hail damage, hitting a deer and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Lowest and Highest Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
GMC Sierra 2500 Mercedes-Benz S Class
Infiniti QX50 BMW M6
Ford F-350 Maserati Quattroporte
Chevy Spark Bentley Continental GT
Chevy Silverado 2500 Audi S7
Nissan Leaf BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford Expedition Hyundai Accent
Tesla Model S Chevrolet Spark
Land Rover Range Rover Sport Dodge Charger
Chevrolet Corvette Chrysler 200
Chevrolet Silverado 3500 Chevrolet Sonic
Ford F-250 SuperCrew Mitsubishi Lancer

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don't give up on cheap coverage

We just presented a lot of ways to lower your car insurance prices in Mansfield. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

Some companies don't offer internet price quotes and these small insurance companies provide coverage only through independent agencies. Cheap car insurance in Mansfield can be purchased both online as well as from independent agents in Mansfield, so you should compare both in order to have the best price selection to choose from.

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