How many times have you told yourself it's time to shop around for lower-priced auto insurance rates in Taylor, TX? Finding cheap premium rates for auto insurance is difficult for people who are beginners to online rate comparisons. With so many agents and companies in the marketplace, it can be a big hassle to find the best price in Texas on auto insurance.

Amazingly, a large majority of drivers kept their policy with the same company for four years or more, and just short of a majority have never even compared rates from other companies. Many drivers in the U.S. could save themselves nearly 47% a year just by shopping around, but they don't believe the benefits if they switch to a new company.

You should make it a habit to quote other rates at least once a year due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best rates on auto insurance at your last renewal you can probably find a better rate quote now. There are lots of tips to save on auto insurance on the internet, but I'm going to show you some great ways to lower your auto insurance rates in Taylor.

Companies offering cheap prices in Texas

The providers in the list below are our best choices to provide free quotes in Taylor, TX. If you want cheap car insurance in Texas, we recommend you visit several of them to get the most competitive price.

Insurance Costs for Popular Vehicles in Taylor
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $1,088 $544 $91
Dodge Ram Quad Cab Laramie 4WD $1,422 $711 $119
Ford Edge Sport AWD $1,396 $698 $116
Ford Escape XLS 2WD $1,144 $572 $95
Ford F-150 STX Super Cab 4WD $1,112 $556 $93
Ford Focus SEL 4-Dr Sedan $1,206 $603 $101
Honda Accord LX-P 4-Dr Sedan $850 $425 $71
Honda CR-V EX-L 4WD $974 $487 $81
Honda Civic EX 2-Dr Coupe $1,594 $797 $133
Jeep Grand Cherokee Limited 2WD $1,088 $544 $91
Nissan Altima 2.5 S 2-Dr Coupe $1,376 $688 $115
Toyota Camry LE $1,324 $662 $110
Toyota Corolla XLE $934 $467 $78
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,676 $838 $140
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can decrease or increase coverage prices considerably.

Taylor insurance costs by age and gender

The chart below visualizes the comparison of auto insurance rates for male and female drivers in Taylor. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied on a Toyota Camry Hybrid.

Toyota Camry rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Higher deductibles save money

The illustration below highlights how deductible selection and can affect Hyundai Sonata insurance costs for each age group. The costs are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Analysis of deductible levels

When comparing car insurance rates, the most common question is how low should you set your deductibles. The following insurance rates can help you understand the rate differences between low and high deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $294 $584 $382 $22 $114 $1,421 $118
Corolla S $294 $584 $382 $22 $114 $1,421 $118
Corolla XLE $294 $584 $382 $22 $114 $1,421 $118
Corolla XRS $332 $584 $382 $22 $114 $1,459 $122
Get a Quote for Your Vehicle Go
Toyota Corolla insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $182 $368 $382 $22 $114 $1,068 $89
Corolla S $182 $368 $382 $22 $114 $1,068 $89
Corolla XLE $182 $368 $382 $22 $114 $1,068 $89
Corolla XRS $206 $368 $382 $22 $114 $1,092 $91
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in Taylor location which can impact rates significantly.

Based on the data above, we can derive that using a $250 deductible will cost you about $29 more each month or $348 every year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 26 months between claim filings, you would save money if you elect the higher deductible.

Get cheaper rates by taking advantage of discounts

Insurance can cost an arm and a leg, but there could be significant discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you quote, but some discounts are required to be specially asked for before you will receive the discount.Save money with discounts

Just know that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren't that generous.

Some of the insurance companies that may include most of the discounts above are:

If you want inexpensive Taylor auto insurance quotes, ask all the companies to give you their best rates. A few discounts may not be available in every state.

Local Taylor insurance agencies

Certain consumers still like to get advice from a local agent. A good thing about comparing rates online is that you can find lower premium rates and still have a local agent. And buying from neighborhood insurance agencies is important especially in Taylor.

Find insurance agent in TaylorTo help locate an agent, after submitting this simple form, the coverage information is sent to agents in your area who want to provide quotes to get your business. It simplifies rate comparisons since you won't have to drive around since price quotes are sent to you. You'll get the best rates and a licensed agent to work with. If you have a need to quote rates from a specific company, don't hesitate to search and find their rate quote page and complete a quote there.

When looking for local Taylor agents, it's important to understand the different types of agents and how they differ in how they can insure your vehicles. Agents are either independent agents or exclusive agents.

Independent Agents

Independent insurance agents do not have single company limitations so they can insure your vehicles with lots of companies and find you the best rates. If your agent finds better pricing, the business is moved internally and the insured can keep the same agent.

If you are trying to find cheaper rates, you absolutely need to get quotes from several independent agencies so that you can do a thorough price comparison. Most also write with companies you've never heard of that many times have cheaper rates.

Exclusive Agencies

Agents that choose to be exclusive can only place business with one company and examples are American Family, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies are very knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Drivers often purchase coverage from exclusives mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Selecting a insurance agency should include more criteria than just the premium amount. The following questions are important to ask.

Vehicle claim statistics

Which vehicles have a tendency to have claims? The data below show the highest and lowest manufacturer models for likelihood of having claims.

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Mitsubishi Mirage
Chevrolet Silverado 2500 Chrysler 200
Audi A4 Allroad Nissan Sentra
Ford Expedition Chevrolet Spark
Tesla Model S Mitsubishi Lancer
Land Rover Range Rover Sport Nissan Versa

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

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark BMW M6
Nissan Xterra Porsche Panamera GTS
Chevy Silverado 2500 Maserati Granturismo
Ford F-350 BMW M6
Infiniti QX50 Bentley Continental GT
Volvo V60 Mercedes-Benz S Class

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

Liability Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Chevrolet Impala
Mercedes-Benz SL Class Mitsubishi Lancer
Audi A6 Dodge Charger
Acura MDX Chrysler 200
Subaru Forester Chevrolet Cruze
Chevrolet Corvette Kia Rio

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

Collision Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW M6
Jeep Wrangler Maserati Granturismo
Ford F-250 SuperCab Nissan GT-R
Ford Edge Audi RS7
Chevrolet Colorado Bentley Continental Flying Spur
Ford F-150 SuperCrew Ferrari 458

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

Be persistent and save

Insureds leave their current company for many reasons like high prices, not issuing a premium refund, questionable increases in premium or unfair underwriting practices. No matter why you want to switch, choosing a new company can be pretty painless.

As you prepare to switch companies, it's very important that you do not reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits and found out when filing a claim they didn't purchase enough coverage. Your objective should be to get the best coverage possible at the best cost while still protecting your assets.

You just learned quite a bit of information on how to reduce insurance car insurance rates online in Taylor. The key thing to remember is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the lowest car insurance rates come from an unexpected company.

More information is located at these links: