If you're trying to find more affordable insurance online, are you frustrated by the number of car insurance companies available to you? Lot's of other drivers are too. You have such a large number of options that it can easily become a ton of work to compare car insurance rates on car insurance. Allen is a great place to live, but getting gouged by high car insurance rates can make it impossible to afford good insurance coverage.

Amazingly, a recent NerdWallet.com study showed that nearly 70% of customers have bought car insurance from the same company for well over three years, and approximately 38% of consumers have never compared rates to find cheap insurance. American insurance shoppers could save as much as $850 every year just by getting comparison quotes, but they mistakenly think it's difficult to compare other rate quotes.

The fastest way that we advise to compare rates is to know the fact auto insurance companies allow for online access to compare rate quotes. To start a quote, the only thing you need to do is provide details such as marital status, if the vehicle is leased, your job, and whether you drive to work or school. Your details is instantly sent to many of the top insurers and they return rate quotes immediately.

To find lower rates now, click here then complete the form.

The companies shown below are our best choices to provide comparison quotes in Allen, TX. To find cheaper auto insurance in Texas, we suggest you visit two to three different companies in order to find the most competitive rates.

Insurance Estimates for Popular Vehicles in Allen
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $1,578 $789 $132
Dodge Ram Quad Cab SLT 2WD $1,238 $619 $103
Ford Escape Limited 4WD $1,096 $548 $91
Ford F-150 XL Super Cab 4WD $1,004 $502 $84
Ford Focus SE 2-Dr Coupe $1,352 $676 $113
GMC Sierra SLT Crew Cab 4WD $1,372 $686 $114
Honda Accord EX 4-Dr Sedan $1,278 $639 $107
Honda CR-V LX 2WD $846 $423 $71
Honda Civic DX 4-Dr Sedan $1,176 $588 $98
Hyundai Elantra GLS 4-Dr Sedan $1,064 $532 $89
Nissan Altima 3.5 SR 4-Dr Sedan $1,230 $615 $103
Toyota Camry LE $1,004 $502 $84
Toyota Corolla XRS $1,282 $641 $107
Toyota Prius $1,430 $715 $119
Toyota Tacoma 2WD $1,176 $588 $98
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 50, 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 information does not factor in specific zip code location which can decrease or increase premium rates noticeably.

Deductible comparison

The chart below illustrates how your choice of deductibles and can influence Chevrolet Tahoe annual premium costs for each different age category. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Violations and accidents raise rates

The illustration below shows how violations and fender-benders can raise Nissan Altima car insurance rates for different ages of insureds. The price estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

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

Allen insurance discounts

Auto insurance companies don't necessarily list every policy discount in an easy-to-find place, so we break down a few of the more well known in addition to some of the lesser obvious discounts that may be available.Cheaper insurance with discounts

We need to note that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

A list of companies and the discounts they provide can be found below.

Double check with every company to apply every possible discount. A few discounts might not be offered on policies in your area.

Decisions you make can lower your premiums

Part of the car insurance buying process is learning the different types of things that are used to determine the rates you pay for car insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower car insurance prices. Many things are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but others are more transparent such as whether you are married or how safe your car is.

The factors shown below are some of the most common factors car insurance companies consider when setting your premiums.

Your age impacts your rates - Older people have been proven to be more responsible, tend to cause fewer accidents, and get fewer tickets.Youthful drivers are statistically proven to be less responsible when driving with friends and because of this, their car insurance rates are much higher.

Low mileage costs less - Driving more miles every year the higher the price you pay to insure it. Many insurance companies apply a rate based upon how much you drive. Cars that have low annual miles cost less to insure than those used for commuting. Make sure your declarations sheet is rated on the correct usage, because it can save money.

Insurance rates and vehicle performance - The performance of the car or truck you own makes a big difference in determining your rates. Smaller low performance passenger vehicles usually are quite affordable to insure, but that's not the only thing that factors into the final price.

Lower rates for cars with good safety ratings - Cars with five star safety ratings are cheaper to insure. These vehicles reduce occupant injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.

Claim statistics by make and model

Which vehicle models have severe claims? The data below list the best and worst vehicle models for overall likelihood of filing claims.

Manufacturer Models with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claims Highest Claims
Chevrolet Corvette Mitsubishi Mirage
Ford F-250 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Spark
Ford Expedition Mitsubishi Lancer
Ford F-350 SuperCrew Kia Forte
Land Rover Range Rover Sport Nissan Versa

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

Vehicle Make and Models with the Lowest and Highest Liability Coverage Claims
Lowest Claims Highest Claims
Subaru Outback Hyndai Accent
Chevrolet Corvette Kia Optima
Subaru Forester Chevrolet Sonic
Audi A6 Chevrolet Impala
Fiat 500 Mitsubishi Mirage
Acura MDX Mitsubishi Lancer

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

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Volvo V60 Maserati Quattroporte
Nissan Leaf Audi S7
Chevy Silverado 2500 Bentley Continental GTC
Chevy Spark BMW M6
Smart ForTwo Maserati Granturismo
Ford F-350 BMW M6

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

Collision Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Mini Cooper BMW M6
Nissan Xterra Maserati Ghibli
Chevrolet Colorado Nissan GT-R
Ford Edge Audi RS7
Ford F-150 SuperCrew Maserati Granturismo
Ford F-250 SuperCab Bentley Continental Flying Spur

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

Save $385 a year? Really?

Respected companies like GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to make an identical promise of big savings after switching to their company. It sounds good, but how can they all cost less than your current company? It's all in the words they use.

Insurance companies quote the lowest rates for the driver that earns them the most money. For example, this type of insured could possibly be married and over the age of 30, has other policies, and has great credit. A customer who matches those parameters receive the lowest rate quotes in Allen and most likely will save when switching.

Potential insureds who may not quite match the requirements may be forced to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The wording the ads use say "customers who switch" not "everyone that quotes" save money. That's the way companies can make those statements. This emphasizes why it is so important to compare as many free Allen auto insurance quotes as you can. It is impossible to predict with any certainty which company will be your best fit.

Cover all your bases

Drivers change insurance companies for any number of reasons including policy non-renewal, policy cancellation, delays in responding to claim requests or even high prices. It doesn't matter why you want to switch finding a great new company is easier than you think.

You just read many ways to lower your car insurance premium rates in Allen. The key concept to understand is the more times you quote, the higher your chance of finding inexpensive Allen auto insurance quotes. You may even discover the lowest premium rates come from a small mutual company.

Some insurance companies do not provide online price quotes and many times these smaller companies prefer to sell through independent agencies. Low-cost car insurance in Allen is available on the web in addition to many Allen insurance agents, and you need to price shop both to have the best chance of lowering rates.

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