Want a free price quotes on lower-priced insurance rates in Burleson, TX? Did a good deal turn into an underperforming, overpriced insurance policy? Say no more because there are lots of Burleson residents who feel the same.
Sad but true, 70% of consumers kept their policy with the same company for well over three years, and nearly half have never even shopped around for cheap coverage. Consumers in Burleson could save 70% each year just by getting comparison quotes, but most undervalue how much they could save if they bought a different policy. Vehicle owners have so many insurers to insure vehicles with, and although it's a good thing to have a selection, more options can take longer to find the lowest cost provider.
You need to do rate comparisons before your policy renews because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on insurance two years ago you can probably find a lower rate today. Forget all the misinformation about insurance because you're about to learn the best way to reduce your cost while improving coverage.
How to compare free Burleson insurance rate quotes
The companies in the list below are our best choices to provide quotes in Burleson, TX. If you wish to find cheap car insurance in Texas, it's a good idea that you visit as many as you can in order to find the most affordable rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LT||$1,308||$654||$109|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,360||$680||$113|
|Dodge Ram Crew Cab TRX 2WD||$1,254||$627||$105|
|Ford Escape XLS 2WD||$1,380||$690||$115|
|Ford Explorer Eddie Bauer 2WD||$1,178||$589||$98|
|Ford F-150 XL Regular Cab 2WD||$878||$439||$73|
|Ford Focus SES 4-Dr Sedan||$1,016||$508||$85|
|Honda Accord LX-P 4-Dr Sedan||$1,144||$572||$95|
|Honda CR-V LX 2WD||$950||$475||$79|
|Honda Civic LX 4-Dr Sedan||$1,242||$621||$104|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,088||$544||$91|
|Kia Optima SX||$1,554||$777||$130|
|Nissan Altima 2.5 4-Dr Sedan||$1,300||$650||$108|
|Nissan Rogue S 2WD||$1,370||$685||$114|
|Toyota Camry SE||$1,100||$550||$92|
|Toyota Corolla XRS||$1,092||$546||$91|
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in vehicle location which can increase or decrease insurance rates noticeably.
Cost of full coverage in Burleson
The illustration below shows the comparison of Toyota Corolla premium costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims or driving violations, $1,000 deductibles, single female driver, and no discounts are applied to the premium.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you pay for full coverage or liability only?
There is no definitive guideline of when to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let's say your Toyota Corolla replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying your policy deductible. If it's costing in excess of $700 annually for your policy with full coverage, then you might consider buying liability only.
There are some cases where removing full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
The hardest decision when buying coverage is where to set your physical damage deductibles. The rates below may help you to understand the rate differences between low and high coverage deductibles. The first data table uses a $100 deductible and the second price grid uses a $500 deductible.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$328||$486||$382||$22||$114||$1,357||$113|
|Pilot EX 2WD||$370||$486||$382||$22||$114||$1,399||$117|
|Pilot EX 4WD||$370||$486||$382||$22||$114||$1,399||$117|
|Pilot EX-L 2WD||$370||$592||$382||$22||$114||$1,505||$125|
|Pilot EX-L 4WD||$370||$592||$382||$22||$114||$1,505||$125|
|Pilot Touring 2WD||$370||$592||$382||$22||$114||$1,505||$125|
|Pilot Touring 4WD||$370||$592||$382||$22||$114||$1,505||$125|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$240||$328||$382||$22||$114||$1,086||$91|
|Pilot EX 2WD||$270||$328||$382||$22||$114||$1,116||$93|
|Pilot EX 4WD||$270||$328||$382||$22||$114||$1,116||$93|
|Pilot EX-L 2WD||$270||$400||$382||$22||$114||$1,188||$99|
|Pilot EX-L 4WD||$270||$400||$382||$22||$114||$1,188||$99|
|Pilot Touring 2WD||$270||$400||$382||$22||$114||$1,188||$99|
|Pilot Touring 4WD||$270||$400||$382||$22||$114||$1,188||$99|
|Get a Quote for Your Vehicle Go|
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in zip code location which can increase or decrease coverage prices greatly.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $25 more each month or $300 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claims, you would save more money by going with a higher deductible.
Car insurance prices based on gender
The information below shows the difference between yearly insurance costs for male and female drivers in Bryan. The rates are based on no claims, a clean driving record, comp and collision included, $500 deductibles, drivers are single, and no additional discounts are factored in on a Ford Fusion S.
Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Cheaper Burleson insurance rates with discounts
Insurance is easily one of your largest bills, but you might find some hidden discounts to reduce the price significantly. Some trigger automatically at the time you complete a quote, but some must be inquired about before being credited. If you don't get every credit possible, you could be getting lower rates.
- Early Switch Discount - A few insurance companies allow discounts for signing up before your current expiration date. You can save around 10% with this discount.
- Early Payment Discounts - By paying your entire bill at once rather than paying monthly you could save 5% or more.
- Accident-Free Discounts - Claim-free drivers can save substantially in comparison with drivers with a long claim history.
- Responsible Driver Discounts - Safe drivers could pay up to 40% less than less cautious drivers.
- Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with a few insurance companies.
A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you can get free auto insurance, insurance companies wouldn't stay in business.
A few of the larger companies and some of the discounts can be found below.
- Farm Bureau discounts include driver training, youthful driver, multi-vehicle, safe driver, renewal discount, and good student.
- MetLife has savings for claim-free, good student, accident-free, multi-policy, and good driver.
- Progressive includes discounts for multi-policy, homeowner, good student, online quote discount, and multi-vehicle.
- AAA offers premium reductions for anti-theft, good driver, education and occupation, multi-car, pay-in-full, and multi-policy.
- American Family may include discounts for Steer into Savings, accident-free, TimeAway discount, bundled insurance, and early bird.
- GEICO offers discounts for anti-lock brakes, daytime running lights, air bags, multi-policy, driver training, multi-vehicle, and defensive driver.
- State Farm may offer discounts for good student, defensive driving training, safe vehicle, passive restraint, student away at school, accident-free, and anti-theft.
When getting a coverage quote, ask every insurance company to apply every possible discount. A few discounts may not be available in your state.
Why you need to buy car insurance
Even though it can be expensive, maintaining insurance may be mandatory for several reasons.
First, the majority of states have minimum liability requirements which means you are required to buy a specific level of liability protection if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, it's most likely the lender will require that you have insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your vehicle at a more expensive rate and require you to pay a much higher amount than you were paying before.
Third, insurance safeguards both your assets and your vehicle. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If you have damage to your vehicle as the result of the weather or an accident, your policy will pay to repair the damage.
The benefits of insuring your car greatly outweigh the cost, especially for larger claims. According to a recent study, the average American driver is overpaying more than $825 a year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
Local agents and auto insurance
A small number of people still like to sit down and talk to an agent and that is just fine! Agents are trained risk managers and help in the event of a claim. One of the best bonuses of comparing rate quotes online is you can get lower rates and also buy local.
After filling out this quick form, your information is submitted to insurance agents in Burleson who will give competitive quotes for your auto insurance coverage. There is no need to visit any agencies due to the fact that quote results will go immediately to you. If you need to get a rate quote for a specific company, you just need to navigate to their website and fill out their quote form.
Choosing an insurance company needs to be determined by more than just a cheap price quote. These are some questions you should get answers to.
- Is the agency involved in supporting local community causes?
- Do they write coverage based solely on cost?
- Is the agent and/or agency licensed to do business in Texas?
- Did they already check your driving record and credit reports?
- In the event of vehicle damage, can you pick the collision repair facility?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are they able to influence company decisions when a claim is filed?