Are you tired of overpaying and want low-cost insurance rates in Flower Mound, TX? I doubt anyone loves paying for insurance, especially when their premiums are too high.

Inconceivable but true, a large majority of consumers renewed their policy with the same company for a minimum of four years, and nearly the majority have never even shopped around for affordable coverage. Texas drivers can save up to 70% each year, but they won't spend time to do a rate comparison. Numerous insurance companies battle to insure your vehicles, so it's not easy to compare every provider and get the best coverage at the lowest rate possible on insurance.

Compare quotes for Flower Mound auto insurance

Many insurance companies like 21st Century, Allstate and State Farm allow you to get insurance quotes on the web. This process can be done by anyone because it's just a matter of typing in your required coverages as requested by the quote form. When complete, the company's rating system automatically orders your driving record and credit report and quotes a price based on the information you submitted. The ability to get online quotes makes comparing rates easy, and it's absolutely necessary to do this in order to get cheaper auto insurance pricing.

To save time and compare rates now, compare rate quotes from the providers shown below. If you have coverage now, it's recommended you duplicate the limits and deductibles identical to your current policy. Doing this guarantees you will have comparison quotes based on similar coverages.

The car insurance companies shown below are our best choices to provide price comparisons in Flower Mound, TX. If you want to find cheap auto insurance in Texas, we recommend you click on several of them to find the lowest car insurance rates.

Insurance Price Estimates for Popular Vehicles in Flower Mound
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,262 $631 $105
Chevrolet Impala LT $888 $444 $74
Chevrolet Silverado LTZ Extended Cab 4WD $1,302 $651 $109
Dodge Ram Crew Cab ST 4WD $1,312 $656 $109
Ford Edge Limited AWD $1,100 $550 $92
Ford Escape Limited 2WD $1,174 $587 $98
Ford Explorer Eddie Bauer 2WD $1,072 $536 $89
Ford F-150 SVT Raptor Super Cab 4WD $1,188 $594 $99
Ford Focus SES 2-Dr Coupe $1,134 $567 $95
Honda Accord LX-P 4-Dr Sedan $1,144 $572 $95
Honda CR-V EX-L 4WD $978 $489 $82
Honda Civic SI 4-Dr Sedan $980 $490 $82
Jeep Grand Cherokee Limited 2WD $1,254 $627 $105
Kia Optima LX $1,224 $612 $102
Nissan Altima Hybrid 4-Dr Sedan $1,278 $639 $107
Toyota Camry LE $1,164 $582 $97
Toyota Corolla S $1,186 $593 $99
Volkswagen Jetta SE 2.5 Station Wagon $1,172 $586 $98
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can decrease or increase coverage prices greatly.

Should you raise deductibles?

The chart below shows how different deductible levels and can raise or lower Chevrolet Malibu yearly insurance costs for different age categories. The premiums are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

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

Responsible drivers pay cheaper auto insurance rates

The example below illustrates how traffic citations and at-fault collisions can impact Hyundai Sonata insurance rates for each age group. Data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Physical damage deductibles

A question often asked by Flower Mound drivers is the level to set your comp and collision deductibles. The rates shown below can help illustrate the cost difference when you buy lower versus higher coverage deductibles. The first rate estimation uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

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

Toyota Camry insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $294 $496 $382 $22 $114 $1,333 $111
Camry SE $294 $584 $382 $22 $114 $1,421 $118
Camry XLE $294 $584 $382 $22 $114 $1,421 $118
Camry Hybrid $332 $584 $430 $26 $128 $1,525 $127
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Toyota Camry insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $240 $400 $382 $22 $114 $1,158 $97
Camry SE $240 $472 $382 $22 $114 $1,230 $103
Camry XLE $240 $472 $382 $22 $114 $1,230 $103
Camry Hybrid $270 $472 $430 $26 $128 $1,326 $111
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific location information which can influence auto insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $15 more each month or $180 annually than requesting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at least 17 months between claim filings, you would probably save some money if you choose a higher deductible.

Claim statistics by make and model

Is your vehicle a claim risk? The following statistics show the worst and best manufacturer models for overall likelihood of filing claims for each type of coverage listed.

Car Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Volvo V60 BMW M6
Ford F-350 Maserati Quattroporte
Infiniti QX50 Bentley Continental GT
Smart ForTwo Bentley Continental GTC
Chevy Spark Mercedes-Benz S Class
Nissan Leaf Maserati Granturismo

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

Vehicle Make and Models with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Hyundai Accent
Chevrolet Corvette Dodge Charger
Ford F-250 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Kia Forte
Ford Expedition Mitsubishi Lancer
Audi A4 Allroad Chevrolet Spark

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

Lowest and Highest Auto Insurance Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford Edge Audi RS7
GMC Canyon BMW M6
Smart ForTwo Bently Continental GTC
Chevrolet Colorado Ferrari 458
Ford F-150 SuperCrew Nissan GT-R
Nissan Xterra Bently Continental GT

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

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Fiat 500 Dodge Charger
Audi A6 Hyndai Accent
Mercedes-Benz SL Class Chevrolet Sonic
Chevrolet Corvette Chevrolet Impala
Subaru Forester Chevrolet Cruze
Acura MDX Kia Optima

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