When trying to find lower-priced insurance, are you intimidated by the crazy number of auto insurance sources in Denton? You're not alone. Texas vehicle owners have so many choices that it is a lot of work to find the best auto insurance rates. If you live there, you know that Denton has lots to offer, but the high premiums for auto insurance can make it difficult for lots of drivers to affordably insure vehicles.

Shockingly, the vast majority of consumers renewed their policy with the same company for at least the last four years, and almost half have never compared rate quotes at all. Drivers in Texas can cut their rates by $1,770 a year just by getting comparison quotes, but they think it's difficult to find lower-cost auto insurance rates.

Quote Denton auto insurance online

When comparing auto insurance rates, know that comparing all the rates in your area gives you a better chance of getting the best rates.

The companies in the list below are our best choices to provide free rate quotes in Denton, TX. If you want to find cheaper car insurance in Texas, it's a good idea that you get prices from several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Denton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,058 $529 $88
Chevrolet Silverado LT Regular Cab $1,374 $687 $115
Dodge Ram Quad Cab ST 2WD $922 $461 $77
Ford Escape Limited 4WD $1,072 $536 $89
Ford F-150 Lariat Crew Cab 2WD $1,036 $518 $86
Ford Focus SE 4-Dr Sedan $1,592 $796 $133
Honda Accord LX 4-Dr Sedan $1,116 $558 $93
Honda CR-V EX-L 2WD $974 $487 $81
Honda Civic GX 4-Dr Sedan $1,518 $759 $127
Hyundai Elantra SE 4-Dr Sedan $1,410 $705 $118
Hyundai Sonata GLS 4-Dr Sedan $1,286 $643 $107
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,228 $614 $102
Kia Optima SX $1,512 $756 $126
Mazda 3 S Sport 4-Dr Hatchback $1,434 $717 $120
Nissan Altima 2.5 4-Dr Sedan $1,200 $600 $100
Nissan Rogue S AWD $1,076 $538 $90
Toyota Camry Hybrid $1,512 $756 $126
Toyota Corolla LE $1,252 $626 $104
Toyota Tacoma X-Runner 2WD $1,222 $611 $102
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific zip code location which can change rates noticeably.

Higher deductibles save money

One common question asked by Denton drivers is where should you set your physical damage deductibles. The data tables below lay out the costs and benefits when you choose different deductibles. The first table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

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

Ford Focus insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SE 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SEL 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SES 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SE 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Focus SES 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
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Ford Focus insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Focus SE 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Focus SEL 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SES 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SE 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Focus SES 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in garaging location in Denton which can decrease or increase premium rates substantially.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $39 more each month or $468 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 23 months between claim filings, you would save more money if you choose the higher deductible.

How violations and accidents impact rates

The information below shows how traffic citations and accident claims influence Toyota Corolla insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

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

Car insurance does more than just repair your car

Despite the fact that car insurance is not cheap in Denton, car insurance serves an important purpose.

The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so compare quotes from several companies at least once a year to save money.

Cheaper rates on insurance with these nine insurance discounts

Some providers don't always list every disount available very clearly, so below is a list a few of the more well known and the more hidden discounts you could be receiving when you buy Denton car insurance online.Cheaper insurance with discounts

Discounts reduce rates, but you should keep in mind that some credits don't apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, it just doesn't work that way.

If you would like to choose from a list of insurance companies offering insurance discounts in Texas, follow this link.

Get rate quotes but work with a local Denton insurance agency

Many people prefer to talk to a local agent and we recommend doing that A good thing about getting online price quotes is the fact that drivers can get the best rates and still have an agent to talk to. Buying from local insurance agents is important particularly in Denton.

Insurance agents in DentonTo find an agent, once you fill out this short form, your insurance coverage information is instantly submitted to agents in your area that can provide free Denton car insurance quotes for your coverage. It makes it easy because there is no need to leave your house because prices are sent straight to your inbox. You'll get the best rates AND an agent nearby. If for some reason you want to quote rates from a specific company, you just need to go to their quote page and give them your coverage information.

When narrowing the list to find a local Denton insurance agency, there are a couple of different agency structures from which to choose. Insurance agents in Denton are either exclusive agents or independent agents.

Independent Insurance Agents

These type of agents are normally appointed by many insurers so as a result can place your coverage through lots of different companies and potentially find a lower price. If they find a lower price, they can switch companies in-house which is easy for the insured.

When searching for an agent, you should always compare quotes from a few independent agents to ensure the widest selection of prices. A lot of them also have access to mutual insurance companies which may provide better rates.

Exclusive Insurance Agencies

Agents in the exclusive channel generally can only insure with one company and examples are Farmers Insurance, Allstate, or State Farm. They usually cannot provide other company's prices so they are skilled at selling on more than just price. These agents are trained well on the products they sell which helps overcome the inability to quote other rates. Drivers often purchase coverage from exclusives partially due to loyalty to the company rather than having low rates.

Choosing the best insurance agency requires more thought than just the price. Any agent in Denton should be forthright in answering these questions:

Insurance coverage basics

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 30/60/25 that translate to a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, loss of income, medical expenses and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but it's recommended drivers buy higher limits.

Manufacturer Models with the Lowest and Highest Liability Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Chevrolet Impala
Mercedes-Benz SL Class Dodge Charger
Acura MDX Kia Rio
Subaru Outback Mitsubishi Lancer
Audi A6 Chevrolet Sonic
Volvo XC60 Chevrolet Cruze

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

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your vehicle.

Since many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are set the same as your liability limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, chiropractic care, EMT expenses, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Hyundai Accent
Chevrolet Silverado 3500 Chevrolet Spark
Ford F-350 SuperCrew Chrysler 200
Ford Expedition Nissan Versa
Audi A4 Allroad Chevrolet Sonic
Land Rover Range Rover Sport Nissan Sentra

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

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding, vandalism, falling objects and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Insurance Comprehensive Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Bentley Continental GT
Volvo V60 Porsche Panamera GTS
GMC Sierra 2500 Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GTC
Infiniti QX50 Maserati Granturismo
Nissan Leaf BMW M6

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

Collision coverage protection

This coverage will pay to fix damage to your vehicle resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Lowest and Highest Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Bently Continental GTC
Jeep Wrangler Ferrari 458
Ford F-250 SuperCab Maserati Granturismo
Nissan Xterra Nissan GT-R
Chevrolet Colorado BMW M6
Ford F-150 SuperCrew Maserati Ghibli

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

Be persistent to save money

We just showed you many ideas to find cheaper coverage online. It's most important to understand that the more you quote Denton car insurance, the higher the chance of saving money. You may even discover the lowest rates come from an unexpected company.

Cost effective insurance is attainable from both online companies and with local Denton insurance agents, so you need to shop Denton car insurance with both to get a complete price analysis. Some companies do not provide online rate quotes and these regional carriers sell through independent insurance agents.

When getting Denton car insurance quotes online, don't be tempted to reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that it was a big error on their part. Your goal is to find the BEST coverage at a price you can afford, but don't skip important coverages to save money.

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