Feel like you're a prisoner to an overpriced car insurance policy? Believe me, you are not the only one feeling buyer's remorse.

A study showed that about 70% of customers renewed their policy with the same company for more than four years, and 38% of drivers have never compared car insurance rates at all. Texas consumers could save 70% each year, but they don't want to take the time to compare rates. Lots of car insurance companies contend for your hard-earned dollar, so it's not easy to compare every insurance company to discover the definitive lowest rate possible on car insurance.

Low-cost car insurance companies in Baytown

The companies shown below are ready to provide comparison quotes in Baytown, TX. To buy the best auto insurance in Texas, we recommend you click on several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Baytown
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,094 $547 $91
Chevrolet Silverado LTZ Extended Cab 2WD $1,014 $507 $85
Dodge Ram Quad Cab Laramie 4WD $1,100 $550 $92
Ford Escape XLT 4WD $918 $459 $77
Ford F-150 Lariat Crew Cab Platinum 4WD $1,328 $664 $111
Ford Focus S 4-Dr Sedan $1,172 $586 $98
Honda Accord LX 4-Dr Sedan $1,014 $507 $85
Honda CR-V EX-L 2WD $1,174 $587 $98
Honda Civic GX 4-Dr Sedan $980 $490 $82
Honda Odyssey EX $1,258 $629 $105
Jeep Grand Cherokee Limited 4WD $1,378 $689 $115
Jeep Wrangler Sahara 4WD 2-Dr $1,178 $589 $98
Mazda 3 S Grand Touring 4-Dr Hatchback $1,058 $529 $88
Nissan Altima 3.5 SR 4-Dr Sedan $1,374 $687 $115
Toyota Camry LE $1,284 $642 $107
Toyota Corolla XLE $1,276 $638 $106
Volkswagen Jetta S 2.5 Station Wagon $1,220 $610 $102
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in your specific Baytown location which can lower or raise coverage rates considerably.

Deductible comparison

The illustration below shows how choosing a deductible and can raise or lower Honda Accord insurance rates for different age groups. The information is based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Careless driving habits raise auto insurance rates

The chart below shows how speeding tickets and accident claims can affect Toyota Camry insurance rates for each different age category. The costs are based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.

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

Cost of full coverage

The information below shows the comparison of Ford Fusion car insurance costs when comparing full coverage to state minimum liability only. The prices are based on no claims or driving violations, $1,000 deductibles, married female driver, 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.

When to switch to liability coverage only

There is no set rule of when to phase out comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Ford Fusion replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the deductible is paid. If premium cost is more than $500 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are a few situations where dropping full coverage is not recommended. If you haven't paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.

Get affordable rates by taking advantage of these six discounts

Insurance is expensive, but there may be some discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but some need to be asked about before being credited. If you are not receiving all the discounts you deserve, you could be getting lower rates.Insurance discounts

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Large insurance companies and the discounts they provide can be found below.

When comparing rates, check with every prospective company how you can save money. Savings may not be available in Baytown. To see a list of companies that have a full spectrum of discounts in Baytown, click here.

Independent and exclusive insurance agents

A lot of people would prefer to get advice from a local agent and that is a smart decision Good agents are very good at helping people manage risk and help file insurance claims. A nice benefit of comparing rates online is that drivers can save money and get cheap rate quotes but also keep your business local. Buying from and supporting local insurance agents is important particularly in Baytown.

To find an agent, once you fill out this form (opens in new window), your insurance data is sent to agents in your area that provide free Baytown car insurance quotes for your business. It makes it easy because there is no need to search for an agent as quotes are delivered to you. If you need to quote rates from a particular provider, feel free to navigate to their website and give them your coverage information.

Best car insurance agent in Baytown

If you are wanting to find a local agent, you must know there are a couple different agency structures and how they can write your policy. Agencies in Baytown can be described as either independent (non-exclusive) or exclusive. Either one can do a good job, but we need to point out how they are different because it can factor into the type of agent you choose.

Independent Agencies or Brokers

Independent agents often have many company appointments so they can write business with many different companies and find you cheaper rates. If you want to switch companies, they can switch companies in-house and you won't have to switch agencies.

When comparison shopping, you absolutely need to get quotes from multiple independent agents to have the most options to choose from.

Exclusive Insurance Agents

Exclusive agencies can only quote rates from one company like Farmers Insurance and State Farm. Exclusive agents cannot provide other company's prices so they really need to provide good service. Exclusive agencies are highly trained on the products they sell and that allows them to sell at a higher price point.

Finding the right insurance agent is decision based upon more than just a low price. These questions are important to ask:

Car insurance coverages

Understanding the coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 30/60/25 which means $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. Texas requires drivers to carry at least 30/60/25 but you should think about purchasing better liability coverage.

Collision coverage

This coverage pays for damage to your vehicle caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.

Due to the fact that many Texas drivers carry very low liability coverage limits (30/60/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a deer and damage from flooding. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for X-ray expenses, dental work, ambulance fees and nursing services. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto insurance claim information

Which vehicles rank well for chances of having claims? The following statistics show the best and worst vehicle models for the probability of filing claims for each type of coverage.

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Hyndai Accent
Mercedes-Benz SL Class Chevrolet Impala
Fiat 500 Mitsubishi Mirage
Subaru Forester Chevrolet Sonic
Subaru Outback Kia Optima
Acura MDX Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Ferrari 458
Mini Cooper Bently Continental GT
Chevrolet Colorado Audi RS7
GMC Canyon BMW M6
Ford F-150 SuperCrew Maserati Granturismo
Nissan Xterra Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Car Insurance Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Nissan Leaf Bentley Continental GTC
Nissan Xterra Mercedes-Benz S Class
Ford F-350 Maserati Quattroporte
Chevy Spark BMW M6
Volvo V60 BMW M6
Infiniti QX50 Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Nissan Versa
Land Rover Range Rover Sport Mitsubishi Mirage
Chevrolet Silverado 2500 Hyundai Accent
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Kia Forte
Audi A4 Allroad Chevrolet Spark

Statistics from IIHS.org for 2013-2015 Model Years

More comparisons equals affordable rates

We covered some good ideas how you can find cheaper coverage online. It's most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a small mutual company. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

More affordable insurance in Baytown can be purchased both online as well as from independent agents in Baytown, and you need to comparison shop both to have the best rate selection. A few companies don't offer internet price quotes and these small, regional companies only sell through independent agents.

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