Want to save money and find more affordable auto insurance rates in San Juan, TX? Having to pay for high-priced auto insurance in San Juan can stress out your checking account, especially in this economy.

Sad but true, almost 70% of drivers in Texas renewed their policy with the same company for four years or more, and approximately 38% of consumers have never shopped around. Consumers in the U.S. could save themselves up to 46.5% a year by just comparing quotes, but they assume it's a waste of time to compare rates.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurers to get the best rate on auto insurance.

Take policy discounts and save on auto insurance

Car insurance companies don't always advertise all their discounts very well, so below is a list both well-publicized as well as some of the hidden discounts that you may qualify for.Save money with discounts

Drivers should understand that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you won't be that lucky.

Companies and a selection of discounts can be found below.

If you want cheap San Juan car insurance quotes, ask each company which discounts you may be entitled to. All car insurance discounts may not be available in San Juan.

The best way we recommend to compare car insurance company rates takes advantage of the fact almost all companies pay for the opportunity to give free rates quotes. To start a quote, the only thing you need to do is give them some information like the ages of drivers, how much education you have, if you're married, and if you have a valid license. Those rating factors is submitted instantly to many of the top insurers and you will get price comparisons very quickly.

To find lower rates now, click here and see if a lower rate is available in San Juan.

The following companies offer free quotes in Texas. In order to find cheap car insurance in Texas, it's a good idea that you visit several of them to find the most affordable car insurance rates.

Insurance Cost Estimates for Popular Vehicles in San Juan
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,176 $588 $98
Chevrolet Silverado LTZ Extended Cab 2WD $1,470 $735 $123
Dodge Grand Caravan Hero $1,350 $675 $113
Dodge Ram Quad Cab ST 4WD $1,096 $548 $91
Ford Edge Sport AWD $1,264 $632 $105
Ford Escape XLT 4WD $870 $435 $73
Ford F-150 Lariat Crew Cab 2WD $1,490 $745 $124
Ford Focus SES 2-Dr Coupe $1,836 $918 $153
Honda Accord EX 2-Dr Coupe $1,134 $567 $95
Honda CR-V EX 4WD $1,134 $567 $95
Honda Civic LX-S 4-Dr Sedan $1,376 $688 $115
Honda Odyssey EX-L W/Rear Entertainment $1,276 $638 $106
Hyundai Sonata GLS 4-Dr Sedan $1,066 $533 $89
Nissan Altima 2.5 S 4-Dr Sedan $1,600 $800 $133
Toyota Camry LE $1,308 $654 $109
Toyota Corolla XRS $1,652 $826 $138
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific location information which can impact premiums substantially.

Deductible comparison

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The premium rates below determine the rate difference of buying low and high coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage 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 premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Focus SE 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Focus SEL 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Focus SES 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Focus SE 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
Focus SES 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
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Ford Focus insurance premium estimates 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
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in your specific San Juan location which can modify prices considerably.

Based on these figures, using a $250 deductible costs about $28 more each month or $336 a year than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 27 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Smart buyers can save money

One of the most helpful ways to save on insurance is to to have a grasp of the factors that help determine your premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Why you need insurance

Despite the high insurance cost in San Juan, insurance is required for several reasons.

The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying more than $855 a year so compare quotes from several companies at every renewal to save money.

Insurance claim statistics

Which vehicles rank well for chances of having claims? The following statistics show the worst and best manufacturer models for overall likelihood of having large claims.

Vehicle Make and Models with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Chevrolet Sonic
Ford F-250 SuperCrew Dodge Charger
Land Rover Range Rover Sport Mitsubishi Mirage
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Kia Forte

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

Vehicles with the Lowest and Highest Liability Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Hyndai Accent
Volvo XC60 Chevrolet Cruze
Acura MDX Chevrolet Sonic
Mercedes-Benz SL Class Dodge Charger
Chevrolet Corvette Chrysler 200
Subaru Outback Mitsubishi Lancer

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

Comprehensive Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Volvo V60 Bentley Continental GTC
Infiniti QX50 Maserati Granturismo
Chevy Spark Audi S7
Smart ForTwo BMW M6
Chevy Silverado 2500 Mercedes-Benz S Class
Ford F-350 Bentley Continental GT

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

Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Jeep Wrangler Maserati Ghibli
Ford Edge Bently Continental GTC
Chevrolet Colorado BMW M6
Ford F-150 SuperCrew Ferrari 458
Smart ForTwo BMW 6 Series
Mini Cooper Bently Continental GT

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

What is YOUR best insurance company?

In this article, we presented many ways to shop for car insurance online. The most important thing to understand is the more companies you get auto insurance rates for, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from a small mutual company. They can often provide lower auto insurance rates in certain areas than their larger competitors like State Farm or Progressive.

The cheapest car insurance in San Juan can be purchased online as well as from independent agents in San Juan, and you need to price shop both to get a complete price analysis. There are still a few companies who do not provide online price quotes and many times these small, regional companies only sell coverage through local independent agents.

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