Finding the best price on Brownwood insurance may seem to be difficult if you have never taken advantage of online insurance quotes. But don't be dismayed because there is an easy way to compare rates.

A recent insurance study discovered that a large majority of insurance policyholders renewed their policy with the same company for at least the last four years, and roughly 40% of drivers have never even compared rates from other companies. Most drivers in Texas could save an average of approximately 70% each year by just comparing quotes, but they think it's difficult to find lower-cost insurance by shopping around.

If you have auto insurance now, you will definitely be able to find better prices using the techniques covered below. Shopping for affordable auto insurance in Brownwood is easy if you know what you're doing. Nevertheless, Texas car owners must know how the larger insurance companies determine prices because rates fluctuate considerably.

When shopping for auto insurance there are multiple ways to compare prices from many available auto insurance companies in Texas. The best method to compare rates is to perform an online rate comparison. When comparison shopping, more quotes helps increase your odds of locating more affordable insurance.

The auto insurance companies shown below are our best choices to provide quotes in Brownwood, TX. If you want to find the cheapest car insurance in Texas, we suggest you get rate quotes from several of them to get the most affordable price.

Insurance Estimates for Popular Vehicles in Brownwood
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,252 $626 $104
Chevrolet Silverado LS Crew Cab 2WD $1,518 $759 $127
Dodge Ram Quad Cab Laramie 2WD $1,580 $790 $132
Ford Escape XLT 2WD $1,278 $639 $107
Ford Explorer XLT AWD $1,384 $692 $115
Ford F-150 FX2 Super Cab 2WD $1,214 $607 $101
Ford Focus SEL 4-Dr Sedan $1,556 $778 $130
Ford Fusion Sport AWD 4-Dr Sedan $1,194 $597 $100
Honda Accord LX-P 4-Dr Sedan $976 $488 $81
Honda CR-V EX 4WD $1,142 $571 $95
Honda Civic EX 4-Dr Sedan $934 $467 $78
Hyundai Elantra GLS 4-Dr Sedan $952 $476 $79
Hyundai Sonata Limited 4-Dr Sedan $1,126 $563 $94
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,124 $562 $94
Nissan Altima 2.5 S 4-Dr Sedan $1,222 $611 $102
Nissan Rogue SL 2WD $1,564 $782 $130
Toyota Camry Hybrid $1,322 $661 $110
Toyota Corolla XRS $1,282 $641 $107
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,352 $676 $113
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in Brownwood location which can impact price quotes greatly.

Comparison of full coverage and liability-only policies

The illustration below shows the difference between Ford F-150 insurance premiums with and without physical damage coverage. The data is based on no tickets, no at-fault accidents, $500 deductibles, single male driver, and no policy discounts are applied.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

When to eliminate full coverage

There isn't a steadfast formula of when to drop physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's pretend your Ford F-150 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after the policy deductible has been paid. If it's costing you more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not financially feasible. If you haven't paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Annual premiums comparing men and women

The diagram below visualizes the comparison of car insurance rates for male and female drivers in Brownwood. The premiums assume no claims, a clean driving record, full coverage, $1,000 deductibles, single marital status, and no policy discounts are applied on a Chevrolet Tahoe LS.

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

Careless Brownwood drivers pay higher rates

The illustration below highlights how traffic violations and at-fault fender-benders increase GMC Acadia car insurance rates for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance is not optional but you don't have to overpay

Even though it's not necessarily cheap to insure a vehicle in Brownwood, paying for auto insurance is most likely required but also gives you several important benefits.

The benefits of having auto insurance definitely exceed the price paid, particularly if you ever have a claim. According to a recent study, the average American driver is wasting up to $700 annually so it's recommended you shop around each time the policy renews to save money.

Big names are not always cheapest

Companies like Progressive, Allstate and GEICO continually stream ads on TV and radio. All the ads try to convey promises that people will save just by moving your auto insurance policy to them. How does every company cost less than your current company? Just pay attention to how they say it.

All companies provide the lowest rates for the type of driver they prefer to insure. An example of a preferred risk should be between the ages of 30 and 45, has had continuous coverage, and drives less than 10,000 miles a year. A customer who matches that profile may get the lowest prices in Brownwood and have a good chance to save quite a bit of money when switching.

Potential insureds who do not meet the "perfect" profile will be quoted higher premium rates and ends up with the customer buying from someone else. If you listen to the ad wording, they say "drivers that switch" but not "all drivers who get quotes" save that much money. That is how companies can advertise the savings.

This emphasizes why you need to compare quotes as often as possible. Because you cannot predict which insurance companies will have the best car insurance rates for your profile.

Check for these premium slashing discounts

Some insurers don't always list the complete list of policy discounts in an easy-to-find place, so the following list contains a few of the more common and also the lesser-known credits that you can use to lower your rates.Save money with discounts

Just know that most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, you aren't that lucky. Any amount of discount will reduce your insurance premiums.

The best insurance companies and their offered discounts are included below.

If you need low cost Brownwood car insurance quotes, ask all the companies the best way to save money. All car insurance discounts might not apply in Brownwood. For a list of providers that offer discounts in Texas, click here.

What if I want to buy from local Brownwood auto insurance agents?

Certain consumers would prefer to get advice from a local agent and that is just fine! The biggest benefit of comparing rates online is you can get the lowest rates and still have a local agent. Buying insurance from neighborhood agents is important especially in Brownwood.

Brownwood insurance agentsFor easy comparison, once you complete this quick form, your insurance data is transmitted to companies in Brownwood that can give you free Brownwood car insurance quotes for your car insurance coverage. There is no need to contact any agents since rate quotes are delivered to you directly. It's the lowest rates and work with a local agent. If you want to quote rates from a specific company, just search and find their rate quote page and fill out the quote form the provide.

Insurance agent types

If you're trying to find a local insurance agency, it helps to know the two types of agencies and how they work. Insurance agencies in Brownwood are classified as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agencies

These type of agents do not sell for just one brand so they can write business with lots of companies and help determine which has the cheapest rates. If they quote lower rates, your agent can switch companies and you won't have to switch agencies. If you are comparing rate quotes, you should always include price quotes from several independent agencies in order to have the best price comparison. They often place coverage with different regional companies which may provide better rates.

Exclusive Car Insurance Agents

Agents that elect to be exclusive write business for a single company such as AAA, Allstate, and State Farm. They generally cannot shop your coverage around so keep that in mind. Exclusive agents are usually well trained on their products and sales techniques and that can be a competitive advantage. Some insured continue to use the same exclusive agent partially due to the brand name rather than having low rates.

Finding a good insurance agent is decision based upon more than just the quoted price. Here are some questions you might want to ask.

How do I know if I need professional advice?

When selecting coverage for your vehicles, there really is not a best way to insure your cars. Your needs are unique to you.Drive safe and save

For instance, these questions might point out whether you might need professional guidance.

If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, take a second and complete this form.

Car insurance overall losses by make and model

Which vehicle models have severe claims? The next tables outline the good and bad cars and trucks for the probability of having claims.

Vehicle Make and Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claims Highest Claims
Acura MDX Mitsubishi Mirage
Subaru Forester Kia Rio
Volvo XC60 Chevrolet Sonic
Subaru Outback Mitsubishi Lancer
Mercedes-Benz SL Class Kia Optima
Fiat 500 Chevrolet Cruze

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Spark
Ford Expedition Mitsubishi Mirage
Audi A4 Allroad Dodge Charger
Ford F-350 SuperCrew Mitsubishi Lancer
Ford F-250 SuperCrew Chrysler 200
Tesla Model S Hyundai Accent

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Mini Cooper Nissan GT-R
Ford F-250 SuperCab Maserati Granturismo
Nissan Xterra BMW 6 Series
GMC Canyon Bentley Continental Flying Spur
Ford F-150 SuperCrew Maserati Ghibli
Jeep Wrangler BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Smart ForTwo Maserati Quattroporte
Chevy Silverado 2500 Maserati Granturismo
Ford F-350 BMW M6
Infiniti QX50 BMW M6
Chevy Spark Bentley Continental GTC
Volvo V60 Bentley Continental GT

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Final considerations

People switch companies for any number of reasons including delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests and even questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is pretty easy and you might even save some money in the process.

We just presented some good ideas how you can find cheaper coverage online. The key thing to remember is the more price quotes you have, the better chance you'll have of finding cheap Brownwood car insurance quotes. Consumers may even find the lowest priced insurance comes from a company that doesn't do a lot of advertising.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. Too many times, someone dropped physical damage coverage and discovered at claim time that it was a big error on their part. Your goal is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

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