Sick and tired of scraping the payment together to keep your car insured? You are no different than many other Texas drivers.

Shockingly, most auto insurance buyers have remained with the same auto insurance company for at least the last four years, and nearly the majority have never even shopped around for cheaper coverage. With the average auto insurance premium being $2,679, Texas drivers can cut their rates by as much as 70% a year just by getting comparison quotes, but they don't know the rate savings if they bought a different policy.

You have multiple insurance companies to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to get the best deal.

Our goal in writing this article help educate you on the best way to quote coverages and some tricks to saving. If you have coverage now, you should be able to find better prices using these methods. Although Texas consumers can benefit by having an understanding of how big insurance companies sell online because it can help you find the best coverage.

Car insurance companies offering competitive price quotes in Texas

The following companies provide quotes in Texas. To locate cheap auto insurance in Texas, it's highly recommended you get price quotes from several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Humble
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 2WD $1,034 $517 $86
Dodge Grand Caravan SXT $1,168 $584 $97
Dodge Ram Quad Cab SLT 4WD $1,266 $633 $106
Ford Edge Limited 2WD $1,316 $658 $110
Ford Escape Limited 4WD $976 $488 $81
Ford F-150 FX4 Super Cab 4WD $1,036 $518 $86
Ford Focus SES 2-Dr Coupe $1,306 $653 $109
Ford Fusion Hybrid 4-Dr Sedan $1,518 $759 $127
Honda Accord LX-S 2-Dr Coupe $1,134 $567 $95
Honda CR-V EX-L 2WD $998 $499 $83
Honda Civic DX 2-Dr Coupe $1,184 $592 $99
Honda Odyssey LX $1,334 $667 $111
Mazda 3 S Sport 4-Dr Hatchback $1,786 $893 $149
Nissan Altima Hybrid 4-Dr Sedan $1,422 $711 $119
Nissan Rogue SL 2WD $1,122 $561 $94
Toyota Camry SE $1,084 $542 $90
Toyota Corolla XLE $1,118 $559 $93
Toyota RAV4 4WD $1,456 $728 $121
Toyota Tacoma Double Cab 4WD $1,012 $506 $84
Get Your Own Custom Quote Go

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rates do not factor in your specific Humble location which can raise or lower premiums noticeably.

Irresponsible driving raises your rates

The example below shows how traffic citations and at-fault claims can increase Hyundai Sonata auto insurance rates for different age groups. The data is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

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

Get cheaper auto insurance with discounts

Companies that sell car insurance do not list the complete list of policy discounts in an easy-to-find place, so below is a list a few of the more well known and also the more inconspicuous ways to save on auto insurance.Discount auto insurance

As is typical with insurance, some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, auto insurance companies aren't that generous.

A few of the larger companies and the discounts they provide include:

Double check with each insurance company which discounts they offer. Depending on the company, some discounts might not apply everywhere.

Car insurance myths debunked

Car insurance providers like Allstate and Progressive continually stream television and radio advertisements. They all seem to seem to make the promise that you can save after switching your coverage. How does every company sell you cheaper insurance coverage? This is how they do it.

All the different companies have a certain "appetite" for the type of customer that will add to their bottom line. For example, a profitable insured might have to be between the ages of 30 and 45, carries high limits, and drives less than 5,000 miles a year. Anyone that meets those criteria will get the preferred rates in Humble and therefore will save money with a new company.

Drivers who are not a match for these criteria will get higher premium rates and this can result in the customer buying from someone else. The wording the ads use say "customers that switch" but not "all drivers who get quotes" save the amount stated. That's why companies can claim big savings.

Each company has different criteria, so you absolutely need to quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Learn about car insurance coverages

Having a good grasp of a car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by car insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for things like EMT expenses, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Kia Forte
Ford F-350 SuperCrew Nissan Versa
Chevrolet Corvette Mitsubishi Lancer
Chevrolet Silverado 3500 Dodge Charger
Audi A4 Allroad Nissan Sentra
Tesla Model S Chevrolet Sonic

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

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, rock chips in glass and fire damage. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark BMW M6
Ford F-350 BMW M6
Nissan Leaf Mercedes-Benz S Class
Smart ForTwo Audi S7
Volvo V60 Bentley Continental GT
GMC Sierra 2500 Maserati Granturismo

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

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your vehicle.

Since many Texas drivers only purchase the least amount of liability that is required (which is 30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage for collisions

This coverage covers damage to your vehicle caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Lowest and Highest Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Nissan GT-R
GMC Canyon Maserati Ghibli
Ford F-250 SuperCab Maserati Granturismo
Chevrolet Colorado BMW M6
Nissan Xterra Audi RS7
Ford Edge Ferrari 458

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

Coverage for liability

This will cover damage that occurs to other's property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 30/60/25 which stand for a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, structural damage, attorney fees and bail bonds. How much coverage you buy is your choice, but you should buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but it's recommended drivers buy higher limits.

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Dodge Charger
Acura MDX Mitsubishi Lancer
Fiat 500 Kia Rio
Subaru Outback Chrysler 200
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Kia Optima

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

One last thing to lower rates

Budget-conscious auto insurance can be purchased from both online companies as well as from independent agents in Humble, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide rates over the internet and most of the time these smaller providers sell through independent agents.

When buying insurance coverage, it's very important that you do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford.

Much more information about auto insurance in Texas is available below: