I can't think of a single person who anticipates paying for auto insurance, especially when they know their premiums are through the roof.

Unbelievably, the vast majority of consumers have bought auto insurance from the same company for four years or more, and just under half have never even compared quotes to find cheap rates. Texas drivers can save hundreds of dollars each year, but they just assume it takes a lot of time to compare rate quotes online.

Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute cheapest price on auto insurance.

If you have a current auto insurance policy, you will surely be able to shop for the lowest rates using these methods. Locating the best rates in Saginaw is quite easy. But Texas car owners do need to learn how companies charge you for coverage and apply this information to your search.

The method we recommend to get policy rate comparisons is to know the fact most of the larger companies participate in a system to give you rate quotes. The only thing you need to do is provide a little information like if a SR-22 is required, the year, make and model of vehicles, if you have an active license, and your job. Those rating factors is sent automatically to all major companies and you will receive price estimates immediately.

To compare rates for your car now, click here and see if a lower rate is available in Saginaw.

The following companies are our best choices to provide quotes in Texas. If multiple companies are listed, we suggest you visit as many as you can to get the most affordable price.

Insurance Rates for Popular Vehicles in Saginaw
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $966 $483 $81
Chevrolet Equinox LTZ AWD $1,578 $789 $132
Chevrolet Silverado LS Regular Cab 4WD $840 $420 $70
Dodge Ram Quad Cab Sport 2WD $1,380 $690 $115
Ford Escape Limited 4WD $1,178 $589 $98
Ford F-150 STX Super Cab 4WD $1,138 $569 $95
Ford Focus SES 4-Dr Sedan $1,580 $790 $132
Ford Fusion S 4-Dr Sedan $1,308 $654 $109
Honda Accord LX-S 2-Dr Coupe $1,134 $567 $95
Honda CR-V LX 4WD $946 $473 $79
Honda Civic EX-L 4-Dr Sedan $1,300 $650 $108
Jeep Wrangler Sahara 4WD 2-Dr $1,240 $620 $103
Kia Optima SX $1,518 $759 $127
Nissan Altima 3.5 SR 4-Dr Sedan $1,252 $626 $104
Toyota Camry LE $1,516 $758 $126
Toyota Corolla S $1,228 $614 $102
Toyota Prius $1,082 $541 $90
Get Your Own Custom Quote Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in specific location information which can lower or raise coverage prices substantially.

Liability only or full coverage

The information below illustrates the difference between GMC Acadia premium costs with and without physical damage coverage. The costs are based on no accidents, no driving violations, $500 deductibles, married male driver, and no policy discounts are applied.

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

Are you wasting money on full coverage?

There is no written rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's assume your GMC Acadia replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If it's costing in excess of $500 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some cases where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Driving violations and accidents

The information below demonstrates how speeding tickets and fender-benders increase Kia Optima insurance premiums for each age group. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance is an important decision

Even though rates can get expensive, paying for insurance is mandatory in Texas but it also protects more than you think.

The benefits of insuring your car more than offset the price you pay, particularly if you ever have a claim. But the average driver in Texas is overpaying over $830 a year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.

Smart buyers know how to buy auto insurance more affordably

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that go into determining your premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that may reward you with better auto insurance rates. Multiple criteria are part of the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but other factors are less apparent like your continuous coverage and annual miles driven.

Shown below are some of the things companies use to determine premiums.

Get cheaper rates with discounts

Auto insurance is not an enjoyable expense, but there could be significant discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you purchase, but a few must be specifically requested in order for you to get them. If you check and find you aren't receiving every discount available, you could be paying more than you need to.Auto insurance discounts

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you won't be that lucky.

A few popular companies and the discounts they provide can be read below.

When getting free Saginaw car insurance quotes, it's a good idea to each insurance company which discounts you qualify for. Depending on the company, some discounts might not apply in Saginaw.

Getting quotes from local Saginaw insurance agents

Certain consumers prefer to go talk to an agent and we recommend doing that An additional benefit of price shopping on the web is that you can obtain cheap insurance rates and still have a local agent. And supporting local agencies is definitely important in Saginaw.

To make it easy to find an agent, after completing this short form, your information is immediately sent to companies in Saginaw who will give you quotes for your coverage. You won't even need to search for any insurance agencies since rate quotes are delivered to you directly. Get lower rates AND a local agent. If you wish to compare rates from a particular provider, you would need to visit that company's website to submit a rate quote request.

Picking the best insurance company should depend on more than just the bottom line cost. Some important questions to ask are:

If you feel you receive good responses for all questions you ask as well as an affordable premium quote, it's a good possibility that you have found an insurance company that can be relied on to provide insurance coverage.

Compare car insurance rates regularly to save

We've covered a lot of information how to shop for car insurance online. The key thing to remember is the more you quote Saginaw car insurance, the higher the chance of saving money. Consumers may even find the lowest prices come from a company that doesn't do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

Budget-friendly car insurance in Saginaw is available on the web in addition to many Saginaw insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies may not provide online rate quotes and these smaller companies prefer to sell through independent agencies.

Helpful information