Finding better insurance prices for a car in Texas can normally be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare car insurance rates and we'll show you the quickest way to get price quotes for a new or used and get the lowest possible price from both online companies and Corsicana agents.
Amazingly, nearly 70% of customers kept their policy with the same company for more than four years, and approximately 40% of consumers have never shopped around. Many drivers in Corsicana could save $1,800 each year by just comparing rate quotes, but they underestimate the benefits if they switched to a more affordable policy.
Consumers should take time to take a look at other company's rates as often as possible due to the fact that insurance prices tend to go up over time. If you had the best quotes on car insurance last year there is a good chance you can find better rates now. There are lots of tips to save on car insurance on the internet, but in just a couple of minutes you can learn some of the best ways to find affordable car insurance in Corsicana.
Choosing the best rates in Corsicana is really quite easy. If you have a policy now or just want to reduce your rates, you can use these techniques to reduce the price you pay without reducing protection. Vehicle owners only have to learn the proper methods to compare prices from many different companies online.
Shop car insurance online
Reducing your insurance rates isn't really that difficult. You just need to spend a little time comparing free Corsicana auto insurance quotes from some recommended companies.
The following companies are our best choices to provide free rate quotes in Corsicana, TX. If your goal is to find the cheapest auto insurance in Texas, we recommend you visit several of them to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT 2WD||$1,456||$728||$121|
|Chevrolet Silverado LT Regular Cab||$1,122||$561||$94|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,740||$870||$145|
|Ford Edge SEL AWD||$1,270||$635||$106|
|Ford Escape Limited 4WD||$1,410||$705||$118|
|Ford F-150 XL Super Cab 2WD||$1,380||$690||$115|
|Ford Focus SES 4-Dr Sedan||$1,702||$851||$142|
|Honda Accord LX 4-Dr Sedan||$964||$482||$80|
|Honda CR-V EX-L 4WD||$978||$489||$82|
|Honda Civic EX 4-Dr Sedan||$1,336||$668||$111|
|Hyundai Sonata Limited 4-Dr Sedan||$1,878||$939||$157|
|Mazda 3 I Touring 4-Dr Sedan||$1,436||$718||$120|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,386||$693||$116|
|Nissan Rogue SL AWD||$1,134||$567||$95|
|Toyota Camry SE||$1,228||$614||$102|
|Toyota Corolla XRS||$1,260||$630||$105|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific location information which can lower or raise coverage prices considerably.
Comparison of full coverage and liability-only policies
The chart below shows the difference between Nissan Altima auto insurance costs with liability coverage only compared to full coverage. The costs are based on no tickets, no at-fault accidents, $100 deductibles, single female driver, and no policy discounts are applied.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
Guidelines for dropping full coverage
There is no specific rule for eliminating full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let's assume your Nissan Altima claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If it's costing you more than $500 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some scenarios where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.
These discounts can slash car insurance rates
Companies offering auto insurance do not advertise every available discount in an easy-to-find place, so the next list breaks down some of the more common as well as the least known credits available to lower your premiums when you buy Corsicana auto insurance online.
- Active Service Discounts - Being on active duty in the military could qualify you for better rates.
- Safety Restraint Discount - Requiring all passengers to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Defensive Driver - Passing a driver safety class could cut 5% off your bill and also improve your driving technique.
- Student Driver Training - Teen drivers should complete a driver education course in high school.
- Telematics Data Discounts - Insureds who allow driving data submission to monitor their driving habits by using a telematics device in their vehicle such as Progressive's Snapshot could see a rate decrease if they are good drivers.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
For a list of providers that offer multiple discounts in Texas, follow this link.
Why smart consumers pay lower rates in Corsicana
Multiple criteria are part of the equation when you quote your car insurance policy. Some are obvious like your driving record, although some other factors are less obvious such as your credit history or your financial responsibility.
Cars with good safety ratings cost less to insure - Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your vehicle scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Lower rates by increasing comp and collision deductibles - Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of covered claims are a broken windshield, hitting a deer, and damage caused by flying debris. The deductibles are how much the insured will be required to pay before a claim is paid by your company. The higher the amount you have to pay, the better rate you will receive.
Frequent auto insurance claims increase auto insurance rates - Companies in Texas award the best rates to drivers who do not file claims often. If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of claims that pose a financial burden.
Single vs. married - Walking down the aisle may save some money when shopping for auto insurance. Having a spouse generally demonstrates drivers are more stable financially and it's proven that drivers who are married are more cautious.
Gender as a rate factor - Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn't prove that men are WORSE drivers than women. Males and females cause fender benders at about the same rate, but the men have accidents that have higher claims. Men also statistically have more aggressive citations such as DWI and reckless driving. Young males tend to get in the most accidents so they pay the highest premiums.
Local Corsicana car insurance agents
Many drivers just prefer to sit down with an agent and that is just fine! Insurance agents can make sure you are properly covered and help in the event of a claim. The biggest benefit of getting free rate quotes online is you may find cheap auto insurance rates and still have a local agent.
To make it easy to find an agent, after completing this simple form, the coverage information is transmitted to companies in Corsicana who want to provide quotes for your coverage. It's much easier because you don't need to even leave your home as quotes are delivered directly to you. If you wish to compare rates from a specific company, feel free to visit that company's website and complete a quote there.
Picking a insurer is decision based upon more than just the bottom line cost. Here are some questions to ask:
- Is coverage determined by price?
- Do they get extra compensation for selling add-on coverages?
- What company do they have the most business with?
- How long have they worked with personal auto insurance coverage?
- Do you need full coverage on every vehicle?
- Are they able to provide referrals?
Upon getting answers to your satisfaction as well as offering an affordable quote, it's possible that you found an provider that can be relied on to service your policy. Just understand that consumers can cancel a policy for any reason so never feel you're contractually obligated to any specific company for the entire policy term.
When in doubt talk to an agent
When selecting your policy, there is no single plan that fits everyone. Your needs are unique to you.
These are some specific questions may help you determine whether your personal situation would benefit from professional advice.
- Am I covered if I drive in a foreign country?
- How do I insure my teen driver?
- Does every company file a SR-22 automatically?
- If my car is totalled with they pay enough to replace it?
- Can I afford low physical damage deductibles?
- Is my vehicle covered for flood damage?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, simply complete this short form. It's fast, free and can provide invaluable advice.
Truth in auto insurance advertising
Texas consumers get pounded daily by advertisements that claim the best car insurance rates from companies such as Allstate and Progressive. They all advertise claims about how much you will save if you move to their company.
How is it plausible that every one can have lower policy pricing? You have to listen carefully.
All companies quote the lowest rates for a prospective insured that earns them the highest profit. A good example of a profitable risk profile could possibly be a married female, is a homeowner, and drives newer vehicles. A customer getting a price quote who fits those characteristics will qualify for the lowest premium rates in Corsicana and will also save money with a new company.
Consumers who don't qualify for these standards will probably have to pay higher premiums which leads to the customer not purchasing. The ads state "drivers who switch" but not "everyone who gets a quote" save that much when switching. That's why companies can make the claims of big savings. Because of the profiling, you should compare free Corsicana auto insurance quotes often. It is impossible to predict which insurance companies will be your best fit.
Do the work, save more money
Some insurance companies may not provide online rate quotes and most of the time these smaller providers only sell coverage through local independent agents. The cheapest insurance in Corsicana can be bought from both online companies in addition to local insurance agencies, so you should compare both so you have a total pricing picture.
Drivers change insurance companies for a variety of reasons including delays in paying claims, not issuing a premium refund, an unsatisfactory settlement offer or even high prices. Whatever your reason, switching companies can be easier than you think.
In this article, we covered some good ideas how to shop for insurance online. It's most important to understand that the more companies you get car insurance rates for, the higher your chance of finding cheaper Corsicana auto insurance quotes. Consumers may even find the best rates are with a lesser-known regional company.
To learn more, feel free to browse the resources below:
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Who Has the Cheapest Texas Auto Insurance Rates for Drivers Over Age 50? (FAQ)
- What Insurance is Cheapest for a Toyota Highlander in Texas? (FAQ)
- Who Has the Cheapest Texas Auto Insurance Rates for a Hyundai Sonata? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in Texas? (FAQ)
- How Much is Auto Insurance for a Toyota Corolla in Texas? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Texas? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)