How many times have you said it's time to compare cheaper car insurance rates in Pharr, TX? Searching for the cheapest insurance for your car in Texas can turn out to be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to shop for car insurance so we're going to tell you the proper way to price shop coverage on a and find the best price possible.

Unbelievably, over 70% of consumers kept their policy with the same company for over three years, and just short of a majority have never compared rates to find affordable insurance. Drivers in Pharr could save 70% every year, but they don't know how much money they would save if they swap their current policy for a cheaper one.

Locating the best rates in Pharr is easy if you know what you're doing. If you are already insured or just want to reduce your rates, use these money-saving tips to lower your rates without having to cut coverage. Drivers just have to use the quickest method to get comparison quotes online.

The best way we recommend to get rate comparisons is to take advantage of the fact most larger insurance companies allow for online access to compare their rates. To start a quote, the only thing you need to do is provide a little information including the year, make and model of vehicles, whether your vehicle is owned or leased, an estimate of your credit level, and if you have an active license. The data gets transmitted to multiple insurance providers and they return rate quotes immediately.

To compare rates now, click here and enter your coverage details.

The companies shown below are our best choices to provide price comparisons in Texas. To get the best auto insurance in Texas, it's highly recommended you visit two to three different companies in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in Pharr
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,006 $503 $84
Chevrolet Impala LT $1,634 $817 $136
Chevrolet Silverado LTZ Crew Cab 2WD $1,442 $721 $120
Dodge Grand Caravan CV $1,144 $572 $95
Dodge Ram Quad Cab Laramie 2WD $1,032 $516 $86
Ford Escape XLT 2WD $1,014 $507 $85
Ford Explorer Limited 2WD $1,316 $658 $110
Ford F-150 FX2 2WD $1,310 $655 $109
Ford Focus SE 2-Dr Coupe $1,704 $852 $142
Ford Fusion S 4-Dr Sedan $1,142 $571 $95
Honda Accord LX 4-Dr Sedan $1,096 $548 $91
Honda CR-V EX 2WD $964 $482 $80
Honda Civic DX 2-Dr Coupe $1,398 $699 $117
Jeep Wrangler Sahara 4WD 2-Dr $1,112 $556 $93
Kia Optima SX $1,282 $641 $107
Nissan Altima 2.5 S 4-Dr Sedan $952 $476 $79
Nissan Rogue SL 2WD $1,224 $612 $102
Toyota Camry Hybrid $1,150 $575 $96
Toyota Corolla XRS $1,260 $630 $105
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific zip code location which can change prices significantly.

Full coverage rates compared to liability-only

The illustration below shows the difference between Dodge Ram insurance rates with and without full coverage. The data is based on no accidents or driving violations, $1,000 deductibles, married female driver, and no additional discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop paying for full coverage

There is no specific rule to stop buying comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's say your Dodge Ram replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after you pay the deductible. If it's costing you more than $600 annually to have full coverage, then you might consider buying liability only.

There are a few cases where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Age-based car insurance rates by gender

The example below compares insurance premiums for male and female drivers in Pharr. The premiums are based on no accidents, no driving violations, full coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration on a Toyota Camry Hybrid.

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

Vehicle claim statistics

Which vehicles tend to have fewer claims? The data below show the worst and best makes and models for overall likelihood of having large claims orgainized by coverage.

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Acura MDX Dodge Charger
Fiat 500 Chevrolet Cruze
Subaru Outback Chrysler 200
Volvo XC60 Kia Optima
Subaru Forester Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Impala

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Nissan Xterra Bentley Continental Flying Spur
Ford F-150 SuperCrew BMW 6 Series
Chevrolet Colorado Ferrari 458
Ford F-250 SuperCab Audi RS7
GMC Canyon BMW M6
Mini Cooper Bently Continental GT

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Vehicle Make and Model
Lowest Claims Highest Claims
GMC Sierra 2500 BMW M6
Infiniti QX50 Porsche Panamera GTS
Ford F-350 BMW M6
Chevy Spark Audi S7
Smart ForTwo Bentley Continental GT
Nissan Leaf Bentley Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Insurance Claims by Vehicle
Lowest Claims Highest Claims
Ford F-350 SuperCrew Chevrolet Sonic
Audi A4 Allroad Hyundai Accent
Tesla Model S Nissan Versa
Ford Expedition Kia Forte
Chevrolet Silverado 3500 Nissan Sentra
Chevrolet Corvette Mitsubishi Mirage

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years