Do you want to save money by finding cheaper car insurance rates in Garland, TX? Nobody that owns a car likes paying for car insurance, especially when they could get a better deal.

It's astonishing, but most car insurance buyers in Texas renewed their policy with the same company for at least the last four years, and 38% of customers have never compared car insurance rates at all. American drivers could cut their rates by up to 46.5% a year, but most just don't grasp the amount of savings they would get if they changed companies. Because you have many options, it can be challenging to choose the cheapest insurance company.

The purpose of this article is to familiarize you with the best methods to compare rates and some tricks to saving. If you currently have auto insurance, you will definitely be able to shop for the lowest rates using the ideas presented in this article. Comparison shoppers just need to use the most efficient way to find the lowest price on the web.

Car insurance companies offering affordable prices in Texas

The car insurance companies shown below are ready to provide free quotes in Texas. If you want to find the best auto insurance in Texas, we suggest you visit as many as you can in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in Garland
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,600 $800 $133
Chevrolet Silverado LTZ Crew Cab 2WD $1,740 $870 $145
Dodge Ram Quad Cab Laramie 4WD $1,460 $730 $122
Ford Edge Limited AWD $1,600 $800 $133
Ford Escape Limited 2WD $1,422 $711 $119
Ford F-150 Lariat Crew Cab 4WD $1,346 $673 $112
Ford Focus SES 4-Dr Sedan $1,194 $597 $100
Honda Accord LX-P 4-Dr Sedan $1,086 $543 $91
Honda CR-V EX 4WD $870 $435 $73
Honda Civic SI 2-Dr Coupe $1,514 $757 $126
Jeep Grand Cherokee Limited 2WD $1,252 $626 $104
Kia Optima LX $1,242 $621 $104
Nissan Altima 3.5 SR 4-Dr Sedan $1,138 $569 $95
Nissan Rogue SL 2WD $1,212 $606 $101
Toyota Camry Hybrid $1,354 $677 $113
Toyota Corolla LE $1,276 $638 $106
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in zip code location which can revise coverage prices considerably.

Insurance rates by gender

The chart below visualizes the comparison of insurance prices for male and female drivers in Garland. The price estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration on a Honda Accord EX-L.

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

Price comparison of only insuring for liability

The diagram below illustrates the comparison of Hyundai Sonata auto insurance rates with liability coverage only compared to full coverage. Data assumes no violations or accidents, $1,000 deductibles, single male driver, and no discounts are applied.

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

When to drop full coverage

There is no exact rule of when to eliminate physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Hyundai Sonata book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after you pay the deductible. If it's costing in excess of $800 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not opt for liability only.

When to drop full coverage

There is no set rule of when to phase out physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your Chevrolet Cruze replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after you pay the deductible. If you are paying more than $800 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

How accidents and violations affect rates in Garland

The chart below demonstrates how traffic citations and at-fault claims influence Honda Civic insurance premiums for each different age category. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

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

Discounts for lower Garland insurance rates

Some insurance providers do not advertise the complete list of policy discounts in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden ways to save on insurance.Insurance discounts

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, that's just not realistic. Any qualifying discounts will lower the cost of your policy.

To locate companies with significant discounts in Texas, click here.

Informed drivers know how to buy auto insurance more affordably

Many different elements are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are less obvious such as your credit history or your vehicle rating.

What is the best car insurance coverage?

When buying adequate coverage for your vehicles, there is no "perfect" insurance plan. Your needs are unique to you.Safe vehicles cost less to insure

Here are some questions about coverages that might point out whether you would benefit from professional advice.

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don't have a local agent, complete this form. It only takes a few minutes and may give you better protection.

When to get advice from an agent

Many drivers prefer to have an agent's advice and that is just fine! Good agents are highly skilled in risk management and help file insurance claims. The best thing about comparing auto insurance online is you may find better rates and still choose a local agent. Buying from small agencies is definitely important in Garland.

To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. You won't even need to visit any agencies because prices are sent to you directly. If for some reason you want to get a price quote from a specific company, you just need to visit that company's website and submit a quote form there.

Different types of Garland car insurance agents

If you need to find a reliable agent, it helps to know the two different agency structures and how they can write your policy. Auto insurance agents in Garland can either be independent agents or exclusive agents depending on their employer. Both types can provide auto insurance policies, but it's a good idea to understand the difference in how they write coverage since it can affect buying decisions.

Independent Auto Insurance Agencies

Independent insurance agents are normally appointed by many insurers and that gives them the ability to insure amongst many companies and possibly get better coverage at lower prices. If your premiums go up, they can switch companies in-house and you won't have to switch agencies.

When shopping rates, we recommend you get quotes from several independent insurance agents for the best price selection.

Exclusive Agencies

These type of agents can only quote rates from one company like Allstate, State Farm and Farm Bureau. They usually cannot shop your coverage around so they really need to provide good service. They are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Choosing the best car insurance agent should depend on more than just a cheap price quote. The following questions are important to ask.

Smart shoppers get results

We covered many tips how you can compare car insurance premium rates in Garland. It's most important to understand that the more companies you get prices for, the better chance you'll have of finding cheap Garland car insurance quotes. Consumers may even find the most savings is with a lesser-known regional company.

Some insurance providers don't offer online quoting and usually these regional insurance providers sell through independent agents. Affordable car insurance in Garland is possible online and from local insurance agents, and you need to price shop both to have the best chance of lowering rates.

When trying to cut insurance costs, it's a bad idea to buy less coverage just to save a little money. In too many instances, an insured cut liability limits or collision coverage and learned later that the savings was not a smart move. Your goal is to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

More articles