If you're trying to find lower-cost insurance online, are you confused by the sheer number of car insurance sources available to you? Lot's of other drivers are too. Texas vehicle owners have so many choices that it can turn into hard work to locate the lowest car insurance rates. Everyone knows Harlingen is an awesome place to live, but inflated car insurance rates can make it nearly impossible for many drivers to buy full coverage.

A recent NerdWallet.com study revealed that nearly 70% of Texas drivers have been with the same company for well over three years, and virtually 40% of consumers have never taken the time to shop around. Consumers in the U.S. can save hundreds of dollars each year by just comparing rate quotes, but they just don't understand how much they could save if they replace their high priced policy.

You should make it a habit to compare rates occasionally because insurance prices are constantly changing. Just because you had the best deal on car insurance six months ago other companies may now be cheaper. You can find a lot of information about car insurance online but you can learn the easiest ways to find affordable car insurance in Harlingen.

Locating the most cost-effective auto insurance policy in Harlingen can initially seem challenging. Practically every driver who needs lower cost auto insurance most likely will find a lower price. But Texas car owners need to have an understanding of the way insurance companies set your policy premium because it varies considerably.

It's important to know that comparing more quotes helps locate the best offered rates.

The companies in the list below are our best choices to provide comparison quotes in Harlingen, TX. To buy cheaper car insurance in Texas, we recommend you visit two to three different companies to get the most competitive price.

Insurance Estimates for Popular Vehicles in Harlingen
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $948 $474 $79
Chevrolet Silverado Crew Cab Hybrid 2WD $1,280 $640 $107
Dodge Ram Quad Cab ST 4WD $1,216 $608 $101
Ford Escape XLS 2WD $1,104 $552 $92
Ford Explorer XLT 2WD $1,214 $607 $101
Ford F-150 Lariat Crew Cab 2WD $1,028 $514 $86
Ford Focus SES 2-Dr Coupe $996 $498 $83
GMC Sierra SLE Extended Cab 4WD $1,466 $733 $122
Honda Accord LX-P 4-Dr Sedan $972 $486 $81
Honda CR-V EX-L 2WD $1,142 $571 $95
Honda Civic SI 2-Dr Coupe $1,740 $870 $145
Jeep Grand Cherokee Limited 2WD $1,288 $644 $107
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,484 $742 $124
Nissan Altima 2.5 S 4-Dr Sedan $1,068 $534 $89
Nissan Rogue SL 2WD $1,326 $663 $111
Toyota Camry SE $1,224 $612 $102
Toyota Corolla XRS $1,442 $721 $120
Toyota Tacoma Double Cab 4WD $1,010 $505 $84
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific location which can affect prices substantially.

Comparison of full coverage and liability-only policies

The illustration below examines Chevrolet Tahoe insurance rates with full coverage and liability only. The data is based on no violations or accidents, $500 deductibles, married female driver, and no discounts are taken into consideration.

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

When to drop comprehensive and collision

There is no exact formula of when to drop full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's assume your Chevrolet Tahoe settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after you pay the deductible. If premiums are more than $300 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

These discounts can cut auto insurance rates

Auto insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but occasionally some discounts must be specially asked for prior to receiving the credit.Auto insurance discounts

Remember that many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

If you would like to see a list of auto insurance companies who offer cheap auto insurance quotes in Harlingen in Harlingen, follow this link.

Three reasons to insure your vehicle

Despite the fact that insurance is not cheap in Harlingen, insurance is required in Texas but it also protects you in many ways.

The benefits of buying insurance are without a doubt worth the cost, especially if you ever need it. On average, a vehicle owner in Harlingen is wasting up to $869 every year so it's important to compare rates at least once a year to ensure rates are inline.

Auto insurance claim information

Do you own a vehicle likely to have a claim? The tables below outline the good and bad vehicle models for likelihood of having to file claims organized by coverage.

Collision Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Bently Continental GT
Ford Edge Ferrari 458
Smart ForTwo BMW 6 Series
Jeep Wrangler Bently Continental GTC
Ford F-250 SuperCab Maserati Ghibli
GMC Canyon Nissan GT-R

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

Lowest and Highest Bodily Injury Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Hyndai Accent
Volvo XC60 Dodge Charger
Subaru Outback Kia Rio
Acura MDX Chevrolet Impala
Subaru Forester Chevrolet Cruze
Audi A6 Mitsubishi Lancer

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

Comprehensive Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Maserati Quattroporte
Chevy Silverado 2500 BMW M6
GMC Sierra 2500 Bentley Continental GT
Chevy Spark BMW M6
Volvo V60 Maserati Granturismo
Ford F-350 Audi S7

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

Vehicles with the Lowest and Highest Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Kia Forte
Chevrolet Silverado 3500 Mitsubishi Mirage
Land Rover Range Rover Sport Chevrolet Sonic
Tesla Model S Chevrolet Spark
Chevrolet Corvette Nissan Sentra
Audi A4 Allroad Hyundai Accent

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