Do you need a fast way to compare more competitive auto insurance rates in Mount Pleasant, TX? Cutting costs on auto insurance can be hard for people who have little experience shopping for insurance online. With more and more online companies available, it can be a ton of work to find the best price in Texas on auto insurance.

Amazingly, a recent NerdWallet.com study showed that almost 70% of insureds kept their coverage with the same auto insurance company for over three years, and almost 40% of drivers have never compared auto insurance rates at all. With the average auto insurance premium being $2,700, Mount Pleasant drivers could save themselves approximately $1,800 a year by just comparing rate quotes, but they feel it's too difficult to compare rates.

How to get affordable auto insurance in Mount Pleasant

To find more affordable quotes, there are a couple of ways of comparing rate quotes from many different Texas insurance companies. The fastest way to find affordable insurance rates involves getting comparison quotes online.

Just keep in mind that obtaining a wide range of quotes will increase your chances of finding a better price.

The companies shown below are ready to provide comparison quotes in Mount Pleasant, TX. If you wish to find cheap car insurance in Texas, we suggest you visit two to three different companies to get the best price comparison.

Insurance Estimates for Popular Vehicles in Mount Pleasant
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,322 $661 $110
Chevrolet Silverado LTZ Crew Cab 4WD $1,402 $701 $117
Dodge Ram Crew Cab TRX 2WD $1,474 $737 $123
Ford Escape XLT 2WD $1,096 $548 $91
Ford Explorer Eddie Bauer 4WD $1,148 $574 $96
Ford F-150 Lariat Crew Cab Platinum 2WD $1,058 $529 $88
Ford Focus SES 4-Dr Sedan $1,580 $790 $132
GMC Sierra SL Extended Cab 2WD $1,308 $654 $109
Honda Accord LX 4-Dr Sedan $950 $475 $79
Honda CR-V EX-L 2WD $1,002 $501 $84
Honda Civic SI 2-Dr Coupe $1,986 $993 $166
Honda Odyssey EX $1,142 $571 $95
Hyundai Sonata SE 4-Dr Sedan $1,288 $644 $107
Jeep Wrangler Sport Islander Package 4WD 2-Dr $914 $457 $76
Nissan Altima 3.5 SR 2-Dr Coupe $1,640 $820 $137
Toyota Camry Hybrid $1,292 $646 $108
Toyota Corolla LE $1,060 $530 $88
Toyota Tacoma X-Runner 2WD $1,068 $534 $89
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in zip code location which can modify coverage prices substantially.

Physical damage deductibles: Should you raise them?

One frequently asked question is which deductible level should you buy. The following tables outline the difference in cost when you select higher and lower coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

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

Ford Escape insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $286 $486 $324 $20 $96 $1,237 $103
Escape XLS 4WD $286 $486 $324 $20 $96 $1,237 $103
Escape XLT 2WD $286 $486 $324 $20 $96 $1,237 $103
Escape Limited 2WD $328 $486 $324 $20 $96 $1,279 $107
Escape XLT 4WD $328 $486 $324 $20 $96 $1,279 $107
Escape Limited 4WD $328 $592 $324 $20 $96 $1,385 $115
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Ford Escape insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $208 $328 $324 $20 $96 $976 $81
Escape XLS 4WD $208 $328 $324 $20 $96 $976 $81
Escape XLT 2WD $208 $328 $324 $20 $96 $976 $81
Escape Limited 2WD $240 $328 $324 $20 $96 $1,008 $84
Escape XLT 4WD $240 $328 $324 $20 $96 $1,008 $84
Escape Limited 4WD $240 $400 $324 $20 $96 $1,080 $90
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in Mount Pleasant location which can influence coverage rates significantly.

Based on these figures, using a $100 deductible could cost the average driver approximately $22 more each month or $264 a year than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 18 months between claims, you would save money by going with a higher deductible.

Should you buy full coverage?

The diagram below shows the difference between Honda Civic auto insurance rates with and without physical damage coverage. The premium estimates are based on no violations or accidents, $500 deductibles, married male driver, and no discounts are applied.

Honda Civic 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 exact rule to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Honda Civic claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping physical damage coverage is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Car insurance is not optional

Despite the high cost of buying insurance in Mount Pleasant, paying for car insurance is mandatory in Texas but it also protects more than you think.

The benefits of having car insurance more than offset the price you pay, especially for larger claims. The average driver in America overpays more than $700 annually so you should quote your policy with other companies once a year at a minimum to make sure the price is not too high.

Is there deception in advertising?

Well-known insurance companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the companies tend to make the same promise that people will save just by switching your coverage to them. How do they all give you a better price on insurance? Here is the trick they use.

Companies have underwriting criteria for the right customer that earns them a profit. An example of this type of insured may need to be a mature driver, owns their home, and drives less than 10,000 miles a year. Any new insured that fits those parameters gets the lowest car insurance rates and is almost guaranteed to save a lot on Mount Pleasant insurance if they switch.

Consumers who fall short of those standards will be quoted higher premium rates with the end result being the customer not buying. The ads state "drivers that switch" not "everyone who quotes" save that much money. This is how insurance companies can confidently state the savings. This really drives home the point why you really need to get price quotes at each policy renewal. It's just not possible to know which insurance companies will provide you with the cheapest insurance in Mount Pleasant.

Insurance discounts are available to lower rates

Car insurance companies do not list their entire list of discounts in a way that's easy to find, so here is a list a few of the more well known as well as the least known credits available to bring down your rates. If you do not double check each discount you deserve, it's possible you qualify for a lower rate.Save money with discounts

Just know that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you could get a free insurance policy, companies wouldn't make money that way.

The best insurance companies and the discounts they provide include:

If you want low cost Mount Pleasant car insurance quotes, ask every prospective company which credits you are entitled to. Discounts might not be available to policyholders in every state. To find insurance companies who offer online insurance quotes in Texas, follow this link.

Everyone needs different car insurance coverages

Always remember that when buying your policy, there isn't really a single plan that fits everyone. Every situation is different and a cookie cutter policy won't apply.Higher deductibles save money For instance, these questions can aid in determining if you might need professional guidance.

If it's difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage options

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer, hail damage and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle's damage.

Because many people only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage

Collision insurance covers damage to your vehicle from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for prosthetic devices, pain medications and dental work. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and doesn't cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 30/60/25 which means a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, funeral expenses and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but drivers should carry higher limits.

In conclusion

As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. There have been many situations where consumers will sacrifice collision coverage to discover at claim time that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Throughout this article, we presented many ideas to save on auto insurance in Mount Pleasant. The key thing to remember is the more companies you get car insurance rates for, the better chance you'll have of finding the cheapest Mount Pleasant car insurance quotes. Consumers may even find the biggest savings come from the least-expected company. These smaller insurers may only write in your state and offer lower car insurance rates than the large multi-state companies such as Progressive or GEICO.

Even more information is available by following these links: