How many times have you told yourself to find the cheapest car insurance rates in Midland, TX? Wish you could get out of an expensive car insurance policy? Say no more because many Midland consumers are in the same pinch.

It's amazing but the vast majority of consumers kept their coverage with the same car insurance company for at least the last four years, and 38% of customers have never even shopped around for cheaper coverage. Midland insurance shoppers could save an average of nearly 70% each year, but they underestimate how much they could save if they switched.

There is such a variety of insurers to purchase coverage from, and although it's a good thing to be able to choose, it can be more difficult to find the best rates.

It's a great practice to get comparison quotes yearly because car insurance prices change regularly. If you had the lowest price on car insurance on your last policy you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because I'm going to teach you how to quote online to save on car insurance.

Most larger insurance companies such as Allstate and Progressive give coverage price quotes from their websites. Comparing insurance rates online is pretty easy as you just enter your coverage preferences as detailed in the form. Behind the scenes, the company's rating system pulls your driving and credit reports and generates pricing information based on the data you entered. This makes it a lot easier to compare rates and it is important to do this if you are searching for a better rate.

If you want to fill out one form to compare multiple rates now, compare rates from the companies below. If you have your current policy handy, we recommend you enter deductibles and limits as close as possible to your current policy. This makes sure you are getting rate comparison quotes for the exact same coverage.

The following companies have been selected to offer free quotes in Texas. To get the best cheap auto insurance in Texas, we recommend you click on several of them to get the cheapest price.

Insurance Rates for Popular Vehicles in Midland
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,126 $563 $94
Chevrolet Silverado LS Extended Cab 2WD $1,214 $607 $101
Dodge Ram Quad Cab Sport 2WD $1,582 $791 $132
Ford Escape Limited 4WD $1,178 $589 $98
Ford Explorer XLT AWD $1,082 $541 $90
Ford F-150 XL Crew Cab 2WD $840 $420 $70
Ford Focus SEL 4-Dr Sedan $1,336 $668 $111
GMC Sierra SLE Crew Cab 2WD $1,012 $506 $84
Honda Accord LX-P 4-Dr Sedan $1,016 $508 $85
Honda CR-V LX 4WD $1,014 $507 $85
Honda Civic SI 4-Dr Sedan $1,532 $766 $128
Hyundai Elantra SE 4-Dr Sedan $1,064 $532 $89
Nissan Altima Hybrid 4-Dr Sedan $1,422 $711 $119
Toyota Camry XLE $934 $467 $78
Toyota Corolla XLE $1,352 $676 $113
Get Your Own Custom Quote Go

Prices based on 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-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific location which can alter insurance rates significantly.

Full coverage or liability only

The chart below shows the comparison of Honda Pilot annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, single male driver, and no policy discounts are applied.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule for dropping comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Honda Pilot settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after the deductible is paid. If it's costing in excess of $700 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are some cases where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Save a ton by earning these five discounts

Auto insurance is not inexpensive, but there could be available discounts that you may not even know about. Certain discounts will be applied at quote time, but some need to be specially asked for in order for you to get them.Save money with discounts

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, that's just not realistic.

A few companies that may offer policyholders these discounts possibly include:

When getting a coverage quote, ask every insurance company which discounts they offer. Discounts may not apply in every state. To view providers that have a full spectrum of discounts in Midland, click this link.

Buying car insurance from Midland auto insurance agents

Certain consumers just want to buy from a local agent and often times that is recommended The biggest benefit of getting online price quotes is that you can find the lowest rates but still work with a licensed agent.

After filling out this short form, the quote information is sent to companies in Midland who will give you bids for your business. You don't have to leave your house since price quotes are sent instantly to you. You'll get the best rates and a licensed agent to work with. If for some reason you want to get a price quote from a specific insurance company, you would need to go to their quote page and fill out the quote form the provide.

Finding the right company shouldn't rely on just a cheap price quote. Here are some questions you should ask.

Car insurance can get complicated

Always keep in mind that when comparing your policy, there really is no one size fits all plan. Everyone's situation is a little different and your policy should reflect that.Safe vehicles cost less to insure For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Insurance protects more than just your car

Even though it can be expensive, insurance is required for several reasons.

The benefits of insuring your vehicle definitely exceed the cost, especially when you need to use it. The average driver in America is overpaying more than $865 each year so smart consumers compare quotes at every policy renewal to help ensure money is not being wasted.

Best and worst vehicle claim statistics

Are you driving a vehicle that ranks high in claims? The tables below show the worst and best vehicles for the probability of having claims.

Auto Insurance Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Hyundai Accent
Audi A4 Allroad Dodge Charger
Land Rover Range Rover Sport Kia Forte
Ford F-250 SuperCrew Chevrolet Sonic
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 3500 Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Subaru Outback Chevrolet Impala
Volvo XC60 Kia Rio
Acura MDX Chevrolet Cruze
Subaru Forester Hyndai Accent
Mercedes-Benz SL Class Kia Optima
Audi A6 Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 Bentley Continental GT
Volvo V60 Bentley Continental GTC
GMC Sierra 2500 Audi S7
Chevy Spark BMW M6
Nissan Xterra Maserati Quattroporte
Infiniti QX50 Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Auto Insurance Collision Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford Edge BMW M6
Chevrolet Colorado Bently Continental GTC
Ford F-250 SuperCab Audi RS7
Smart ForTwo Ferrari 458
Nissan Xterra Maserati Ghibli
Ford F-150 SuperCrew Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Specific coverage details

Learning about specific coverages of car insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Protection from uninsured/underinsured drivers

This provides protection when the "other guys" are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants and damage to your vehicle.

Due to the fact that many Texas drivers only carry the minimum required liability limits (30/60/25 in Texas), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for rehabilitation expenses, funeral costs and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other's property or people. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 30/60/25 which means a limit of $30,000 per injured person, $60,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as structural damage, loss of income, pain and suffering, bail bonds and legal defense fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but you should consider buying more coverage.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, falling objects, hitting a bird, theft and vandalism. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, hitting a parking meter, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Quote. Compare. Save.

When getting Midland car insurance quotes online, it's not a good idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage and found out when filing a claim that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

You just read quite a bit of information on how to reduce auto insurance car insurance rates online in Midland. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding affordable Midland car insurance quotes. Consumers may even find the lowest car insurance rates come from a lesser-known regional company. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm or Progressive.

More tips and info about auto insurance can be found by following these links: