Want to know an easy way to compare lower-priced car insurance rates in Lewisville, TX? Lewisville drivers have options when trying to find affordable car insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance and you need to know the best way to get price quotes for your and get the cheapest rates.

Smart consumers take time to shop coverage around before your policy renews due to the fact that insurance prices are variable and change quite frequently. If you had the best rates on car insurance two years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because you're about to learn how to use online quotes to lower your rates without sacrificing coverage.

Buying the cheapest insurance in Lewisville is much easier if you know where to start. If you have insurance now, you will be able to find the best rates using the ideas covered in this article. Smart buyers just have to use the fastest way to shop for insurance instantly.

Companies offering cheap price quotes in Lewisville, TX

The companies in the list below provide free quotes in Lewisville, TX. In order to find the best auto insurance in Texas, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Lewisville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $1,438 $719 $120
Dodge Ram Quad Cab Laramie 4WD $1,258 $629 $105
Ford Escape Limited 2WD $876 $438 $73
Ford Explorer XLT 4WD $1,144 $572 $95
Ford F-150 Lariat Crew Cab 2WD $1,208 $604 $101
Ford Focus SES 4-Dr Sedan $1,228 $614 $102
Ford Fusion Sport 4-Dr Sedan $1,460 $730 $122
Honda Accord LX 4-Dr Sedan $972 $486 $81
Honda CR-V LX 2WD $1,144 $572 $95
Honda Civic VP 4-Dr Sedan $1,556 $778 $130
Jeep Grand Cherokee Limited 4WD $1,214 $607 $101
Nissan Altima 2.5 S 4-Dr Sedan $1,600 $800 $133
Toyota Camry LE $1,126 $563 $94
Toyota Corolla XRS $1,434 $717 $120
Toyota Prius $1,450 $725 $121
Toyota RAV4 Limited 4WD $988 $494 $82
Toyota Tacoma Double Cab 4WD $1,082 $541 $90
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in your specific Lewisville location which can increase or decrease price quotes noticeably.

Higher deductibles save money

The illustration below demonstrates how choosing different deductibles and can raise or lower Nissan Altima insurance prices for each age group. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison of full coverage and liability-only

The chart below shows the difference between Nissan Altima yearly insurance costs with liability coverage only compared to full coverage. The data is based on a clean driving record, no claims, $100 deductibles, married male driver, and no discounts are taken into consideration.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you pay for full coverage?

There is no definitive guideline to delete physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's pretend your Nissan Altima claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying more than $400 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Male drivers versus female drivers

The chart below shows the comparison of insurance costs for male and female drivers in Lewisville. The premium estimates are based on no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are factored in on a Nissan Altima 2.5 S.

Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Get cheaper car insurance with discounts

Car insurance can be pricey, but there may be some discounts that can dramatically reduce your bill. Certain credits will be shown at quote time, but a few must be manually applied prior to getting the savings.Car insurance discounts

A quick disclaimer, some credits don't apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Just because it seems like it's possible to get free car insurance, you aren't that lucky.

Popular car insurance companies and some of the premium reductions they offer are included below.

When quoting, ask every company which discounts you may be entitled to. Discounts may not apply in every state. For a list of insurance companies that offer some of these discounts in Lewisville, click here to view.

Smart shoppers get results

We've covered many tips how you can save on auto insurance in Lewisville. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the most savings is with the smaller companies.

Consumers switch companies for many reasons like delays in responding to claim requests, poor customer service, questionable increases in premium and unfair underwriting practices. It doesn't matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

The cheapest auto insurance in Lewisville is available both online and with local Lewisville insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not offer the ability to get quotes online and many times these regional carriers work with independent insurance agents.

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