How many times have you told yourself to find more competitive car insurance rates in Cedar Hill, TX? Finding cheap car insurance is a challenge for people who have little experience online insurance quotes. With literally dozens of online companies available, it can easily be a big hassle to find cheaper car insurance rates.

Sad but true, most car insurance buyers renewed their policy with the same company for more than four years, and nearly half have never shopped around. With the average car insurance premium being $2,680, Texas drivers can save as much as $1,770 each year by just comparing quotes, but they just assume it's a time-consuming process to compare other rate quotes.

It's smart to take a look at other company's rates once or twice a year because car insurance prices change frequently. Even if you got the best deal on car insurance a couple years back there is a good chance you can find better rate quotes now. Ignore everything you know about car insurance because you're going to learn the fastest and easiest way to reduce your cost while increasing coverage.

The quickest method we recommend to compare car insurance company rates utilizes the fact almost all companies allow for online access to compare rate quotes. To start a quote, the only thing you need to do is give them rating details like level of coverage desired, how much education you have, whether you drive to work or school, and what you do for a living. Your information is then submitted to many of the top insurers and you receive quotes quickly.

To find lower rates now, click here and find out if lower rates are available in Cedar Hill.

The following companies provide comparison quotes in Cedar Hill, TX. If your goal is to find the best auto insurance in Texas, we recommend you visit as many as you can to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Cedar Hill
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,324 $662 $110
Chevrolet Impala LS $1,480 $740 $123
Chevrolet Silverado LTZ Crew Cab 2WD $1,518 $759 $127
Dodge Ram Crew Cab TRX 4WD $1,170 $585 $98
Ford Escape XLS 4WD $1,064 $532 $89
Ford F-150 STX Regular Cab 2WD $840 $420 $70
Ford Focus SE 2-Dr Coupe $1,486 $743 $124
Ford Fusion Sport 4-Dr Sedan $1,434 $717 $120
GMC Sierra SLE Crew Cab 2WD $1,164 $582 $97
Honda Accord LX-S 2-Dr Coupe $1,456 $728 $121
Honda CR-V LX 4WD $1,144 $572 $95
Honda Civic SI 2-Dr Coupe $1,378 $689 $115
Nissan Altima Hybrid 4-Dr Sedan $1,138 $569 $95
Toyota Camry XLE $1,404 $702 $117
Toyota Corolla XRS $1,230 $615 $103
Toyota Prius $996 $498 $83
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in Cedar Hill location which can affect prices significantly.

Violations and accidents raise rates

The information below illustrates how speeding tickets and at-fault fender-benders increase Toyota Camry yearly insurance costs for each age group. The rates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

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

Can higher deductibles save money?

One frequently asked question is which deductible level should you buy. The figures shown below determine the rate fluctuation when you choose different physical damage deductibles. The first price estimate table uses a $100 deductible and the second set of rates uses a $500 deductible.

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

Ford Fusion insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
Fusion SE 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Fusion Hybrid 4-Dr Sedan $370 $804 $476 $28 $142 $1,845 $154
Fusion SEL 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Fusion Sport 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Fusion SEL AWD 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
Fusion Sport AWD 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
Get a Quote for Your Vehicle Go
Ford Fusion insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
Fusion SE 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Hybrid 4-Dr Sedan $270 $542 $476 $28 $142 $1,458 $122
Fusion SEL 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Sport 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion SEL AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
Fusion Sport AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in specific zip code location which can lower or raise coverage prices considerably.

Based on the data above, we can derive that using a $100 deductible costs roughly $30 more each month or $360 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Tailor your car insurance coverage to you

When choosing coverage online or from an agent for your personal vehicles, there really is not a perfect coverage plan. Your needs are unique to you.Safe vehicles cost less to insure

For example, these questions can aid in determining if your situation will benefit from professional help.

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Vehicle claim statistics

Which are the best vehicles for low claims? The next tables show the highest and lowest vehicle makes and models for overall likelihood of having claims organized by coverage.

Collision Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado BMW M6
Mini Cooper BMW 6 Series
Jeep Wrangler Bentley Continental Flying Spur
Ford F-150 SuperCrew Maserati Ghibli
Nissan Xterra Audi RS7
Ford F-250 SuperCab Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Nissan Xterra BMW M6
Smart ForTwo BMW M6
Infiniti QX50 Bentley Continental GT
Ford F-350 Bentley Continental GTC
GMC Sierra 2500 Maserati Quattroporte
Volvo V60 Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Tesla Model S Nissan Sentra
Land Rover Range Rover Sport Mitsubishi Mirage
Ford F-350 SuperCrew Dodge Charger
Ford Expedition Mitsubishi Lancer
Chevrolet Corvette Hyundai Accent
Ford F-250 SuperCrew Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Vehicles with the Lowest and Highest Liability Coverage Claims
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Chevrolet Impala
Subaru Forester Dodge Charger
Audi A6 Chrysler 200
Subaru Outback Kia Rio
Fiat 500 Kia Optima
Mercedes-Benz SL Class Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years