Price shopping your car insurance can seem to be difficult for people new to quoting coverage prices online. With such a large choice of companies in the marketplace, it can quickly become a burden to find better prices on car insurance.

Surprisingly, a recent survey revealed that about 70% of customers kept buying from the same company for at least the last four years, and virtually 40% of consumers have never compared rates to find affordable insurance. With the average premium in Texas being $2,680, drivers can save hundreds of dollars each year, but they just don't understand how easy it is to compare rate quotes online.

To find low cost Benbrook auto insurance quotes, there are several ways to compare rate quotes from auto insurance companies in your area. By far the easiest way to compare rates consists of shopping online.

When comparing auto insurance rates, know that comparing a wide range of rates will improve the odds of getting more affordable insurance. Some regional insurers cannot provide quotes over the internet, so it's important to compare price quotes from the smaller companies as well.

The companies shown below are ready to provide quotes in Texas. To locate the best cheap auto insurance in Texas, we recommend you visit two to three different companies to find the most competitive auto insurance rates.

Insurance Price Estimates for Popular Vehicles in Benbrook
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 2WD $1,426 $713 $119
Dodge Ram Crew Cab Laramie 4WD $1,672 $836 $139
Ford Escape XLS 2WD $1,014 $507 $85
Ford F-150 Lariat Crew Cab Platinum 2WD $1,578 $789 $132
Ford Focus SE 4-Dr Sedan $1,318 $659 $110
GMC Sierra SLE Crew Cab 2WD $952 $476 $79
Honda Accord LX-S 2-Dr Coupe $996 $498 $83
Honda CR-V LX 2WD $1,144 $572 $95
Honda Civic VP 4-Dr Sedan $1,040 $520 $87
Jeep Wrangler Sport Islander Package 4WD 2-Dr $920 $460 $77
Nissan Altima 2.5 S 2-Dr Coupe $1,308 $654 $109
Toyota Camry Hybrid $1,150 $575 $96
Toyota Corolla LE $1,100 $550 $92
Toyota RAV4 Limited 2WD $1,322 $661 $110
Toyota Tacoma 4WD $1,112 $556 $93
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in vehicle location which can impact premiums considerably.

Safe drivers pay less for auto insurance

The diagram below highlights how traffic violations and at-fault claims influence Ford Fusion car insurance rates for different age groups. The premiums assume a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

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

Cheap Benbrook car insurance rates with discounts

Buying car insurance is not cheap, but you might be missing out on some discounts to cut the cost considerably. Most are applied at quote time, but once in a while a discount must be specially asked for before you will receive the discount.Cheaper car insurance with discounts

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, it doesn't quite work that way.

A list of car insurance companies and a summarized list of policyholder discounts are:

If you need affordable Benbrook auto insurance quotes, ask all the companies which credits you are entitled to. Some credits might not be available to policyholders in Benbrook. To view insurers that offer the discounts shown above in Texas, click this link.

Tailor your auto insurance coverage to you

Always keep in mind that when comparing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are unique to you and a cookie cutter policy won't apply.Auto insurance savings Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent's advice.

If you don't know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Eight things that influence your premiums

Multiple criteria are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, but others are not as apparent such as whether you are married or your vehicle rating.

Shown below are a partial list of the pieces used by your company to calculate rates.

Three main reasons to buy car insurance

Despite the potentially high cost of car insurance, maintaining insurance is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of insuring your car more than cancel out the cost, especially for larger claims. As of last year, the average driver in Texas is wasting up to $820 a year so you should quote your policy with other companies at every policy renewal to help ensure money is not being wasted.

Auto insurance claim information

Are you driving a high-claim vehicle? The following claim statistics list the highest and lowest models for the overall chance of having large claims for each type of coverage.

Car Insurance Collision Claims by Vehicle
Lowest Claims Highest Claims
Ford F-250 SuperCab Maserati Granturismo
Chevrolet Colorado Bently Continental GT
Jeep Wrangler Ferrari 458
Mini Cooper Bentley Continental Flying Spur
Ford Edge BMW M6
Smart ForTwo Bently Continental GTC

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

Lowest and Highest Liability Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Acura MDX Chevrolet Sonic
Chevrolet Corvette Hyndai Accent
Subaru Outback Kia Optima
Subaru Forester Mitsubishi Lancer
Fiat 500 Dodge Charger
Mercedes-Benz SL Class Mitsubishi Mirage

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

Auto Insurance Comprehensive Claims by Vehicle Model
Lowest Claims Highest Claims
Chevy Spark BMW M6
GMC Sierra 2500 Bentley Continental GT
Infiniti QX50 Mercedes-Benz S Class
Volvo V60 Audi S7
Nissan Leaf Porsche Panamera GTS
Ford F-350 Maserati Quattroporte

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

Medical Payment Insurance Claims by Vehicle
Lowest Claims Highest Claims
Audi A4 Allroad Mitsubishi Mirage
Ford Expedition Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Sonic
Chevrolet Silverado 2500 Hyundai Accent
Ford F-350 SuperCrew Chevrolet Spark
Land Rover Range Rover Sport Mitsubishi Lancer

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

One last thing to lower rates

We just showed you a lot of tips how to compare auto insurance rates in Benbrook. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting the cheapest Benbrook auto insurance quotes. You may even be surprised to find that the most savings is with the smaller companies. These companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

When you buy Benbrook auto insurance online, it's very important that you do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Additional information can be read at the links below