Do you get exhausted from scraping nickels together to make your insurance payment? You are in the same boat as many other Texas consumers.

Unbelievable but true, the vast majority of consumers have been with the same company for well over three years, and just under half have never quoted rates to find affordable coverage. American insurance shoppers could save nearly $860 each year, but they don't believe the large savings they would see if they switched to a cheaper policy.

Due to the large number of online and local companies to choose from, it can be challenging to find the cheapest insurance provider.

It's smart to check insurance prices on a regular basis since insurance prices go up and down regularly. Just because you had the best quotes on insurance on your last policy you will most likely find a better rate today. Forget all the misinformation about insurance because you're about to find out the easiest way to eliminate unnecessary coverages and save money on insurance.

Compare insurance rates

When comparison shopping, comparing a wide range of rates will enable you to find a better price. Not every company provides online price quotes, so you need to compare quotes from them as well.

The companies shown below are ready to provide free rate quotes in Texas. To buy cheap auto insurance in Texas, we suggest you click on several of them in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in Carrollton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,324 $662 $110
Chevrolet Impala LS $1,120 $560 $93
Chevrolet Silverado LT Extended Cab 4WD $988 $494 $82
Dodge Grand Caravan SXT $924 $462 $77
Dodge Ram Quad Cab Sport 2WD $1,196 $598 $100
Ford Escape Limited 2WD $782 $391 $65
Ford Explorer Limited 2WD $1,180 $590 $98
Ford F-150 Lariat Super Cab 4WD $1,524 $762 $127
Ford Focus SES 4-Dr Sedan $1,186 $593 $99
Honda Accord LX 4-Dr Sedan $968 $484 $81
Honda CR-V EX 2WD $898 $449 $75
Honda Civic GX 4-Dr Sedan $1,350 $675 $113
Hyundai Elantra SE Touring Station Wagon $830 $415 $69
Kia Optima EX $1,512 $756 $126
Nissan Altima 2.5 S 4-Dr Sedan $1,064 $532 $89
Nissan Rogue S AWD $1,400 $700 $117
Toyota Camry LE $1,486 $743 $124
Toyota Corolla LE $1,616 $808 $135
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in Carrollton location which can increase or decrease premiums greatly.

Responsible drivers pay cheaper auto insurance rates

The diagram below illustrates how speeding tickets and at-fault collisions drive up Nissan Altima premium costs for each different age group. The rates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

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

Comparison of policy deductibles

The example below demonstrates how deductible levels and can raise or lower Toyota Corolla annual premium costs for different age groups. The price estimates are based on a married male driver, full coverage, and no discounts are applied.

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

Insurance policy discounts you can't miss

Companies don't necessarily list all their discounts in an easy-to-find place, so we researched both well-publicized as well as some of the hidden credits available to bring down your rates.Discount insurance

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck. But any discount will definitely lower your premiums.

Insurance companies that may have some of the above discounts may include but are not limited to:

If you are trying to find inexpensive Carrollton car insurance quotes, ask each company or agent the best way to save money. Savings might not apply in Carrollton. If you would like to choose from a list of insurers that provide some of the discounts listed above in Texas, click here to view.

Auto insurance does more than just repair your car

Despite the high cost, buying auto insurance is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of having insurance greatly outweigh the cost, particularly for liability claims. But the average American driver is wasting up to $825 a year so compare rate quotes at least once a year to make sure the price is not too high.

You are unique and your auto insurance should be too

Keep in mind that when it comes to choosing a policy, there really is not a "perfect" insurance plan. Your situation is unique.Drive safe and save

These are some specific questions can aid in determining if you would benefit from an agent's advice.

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Exclusive or independent auto insurance agents

Some people would prefer to sit down with an agent and that is a personal choice. One of the benefits of comparing rates online is the fact that you can find lower rates and also buy local.

Find insurance agent in CarrolltonOnce you complete this simple form, the coverage information is sent to companies in Carrollton who will gladly provide quotes for your coverage. You won't even need to drive around due to the fact that quote results will go to your email. You can find the lowest rates without having to waste a lot of time. If you have a need to get a comparison quote from one company in particular, you just need to search and find their rate quote page to submit a rate quote request.

Picking the best provider needs to be determined by more than just the premium amount. Get answers to these questions too.

Not all car insurance agents are the same

If you prefer to buy insurance from a local Carrollton insurance agent, you must know there are a couple types of insurance agents that you can select. Agents are either independent or exclusive.

Exclusive Insurance Agents

Exclusive insurance agents work for only one company and some examples include Allstate, State Farm and Farm Bureau. They usually cannot give you multiple price quotes so they have to upsell other benefits. They are highly trained on their company's products which aids in selling service over price.

Independent Agents

These type of agents are not required to write business for one company so they can quote policies through many different insurance companies and find you the best rates. If they find a lower price, they can switch companies in-house without you having to go to a different agency. When comparing insurance rates, you absolutely need to include rate quotes from a few independent agents to get the best comparison.

If you get good responses to any questions you may have and an affordable coverage quote, you have narrowed it down to an auto insurance agent that is a good match to properly service your insurance policy. Keep in mind policyholders can cancel your coverage whenever you choose to so never assume that you are permanently stuck with any specific company for a certain time period.