Do you need a better way to compare lower-priced auto insurance rates in Amarillo, TX? Searching for the cheapest insurance for your car in Texas can normally be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to shop for auto insurance so we're going to tell you the proper way to price shop coverage for a new or used and find the lowest possible price.

Consumers should take time to compare premium rates every six months because prices are constantly changing. Just because you had the best price on auto insurance last year a different company probably has better rates today. Don't believe everything you read about auto insurance online, but you can learn some tested techniques to put money back in your pocket.

Finding the best-priced protection in Amarillo is not as hard as you think. If you have coverage now or are looking for a new policy, you can use this information to lower your rates without having to cut coverage. Vehicle owners just have to understand the proper methods to shop their coverage around instantly.

Why informed drivers pay lower rates in Amarillo

Many factors are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving history, although others are not quite as obvious such as your marital status or how financially stable you are. Smart consumers have a good feel for some of the things that come into play when calculating the rates you pay for insurance. If you know what determines premiums, this allows you to make educated decisions that will entitle you to cheaper rates.

Insurance rates and age - More mature drivers are shown to be more cautious, tend to cause fewer accidents, and are safer drivers.Teen drivers are known to be inattentive and easily distracted with other occupants in the car and because of this, their insurance rates are much higher.

Know your vehicle's NHTSA crash test rating - Vehicles with good safety scores cost less to insure. The safest vehicles reduce injuries and better occupant protection means your insurance company pays less and cheaper rates on your policy. If your vehicle has at least four stars on or an "acceptable" rating on you are probably receiving a discount.

High physical damage deductibles lower premiums - The deductibles are the amount of money you are willing to pay if the claim is covered. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be rearending another vehicle, animal collisions, and having a roll-over accident. The more you choose to pay out-of-pocket, the lower your rates will be.

Pay more if you have a long commute - Being located in less populated areas of the country has it's advantages when shopping for auto insurance. People who live in big cities regularly have traffic congestion and longer commute times. Fewer people translates into fewer accidents.

Getting a more affordable price on insurance is a fairly straight forward process. You just need to spend a few minutes to get quotes to find the company with affordable Amarillo car insurance quotes.

The car insurance companies shown below are ready to provide comparison quotes in Texas. To buy cheaper car insurance in Texas, we recommend you visit several of them to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Amarillo
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $976 $488 $81
Chevrolet Malibu LS $1,006 $503 $84
Chevrolet Silverado LS Regular Cab 2WD $884 $442 $74
Dodge Ram Crew Cab TRX 4WD $1,196 $598 $100
Ford Escape XLS 4WD $1,278 $639 $107
Ford F-150 XL Regular Cab 2WD $1,088 $544 $91
Ford Focus SE 2-Dr Coupe $1,328 $664 $111
Ford Fusion SEL AWD 4-Dr Sedan $1,334 $667 $111
Honda Accord LX 4-Dr Sedan $1,016 $508 $85
Honda CR-V EX 2WD $1,116 $558 $93
Honda Civic EX-L 2-Dr Coupe $1,594 $797 $133
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,548 $774 $129
Kia Optima SX $1,546 $773 $129
Nissan Altima 2.5 S 2-Dr Coupe $1,322 $661 $110
Nissan Rogue SL 2WD $1,242 $621 $104
Toyota Camry Hybrid $1,376 $688 $115
Toyota Corolla S $1,230 $615 $103
Toyota RAV4 Limited 2WD $1,516 $758 $126
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in your specific Amarillo location which can influence insurance rates significantly.

Policy deductible comparison

One frequently asked question is where should you set your physical damage deductibles. The data tables below can help show the premium difference when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $256 $408 $324 $20 $96 $1,129 $94
Elantra Blue 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Elantra GLS 4-Dr Sedan $294 $584 $382 $22 $114 $1,421 $118
Elantra SE 4-Dr Sedan $294 $584 $382 $22 $114 $1,421 $118
Elantra SE Touring Station Wagon $294 $496 $324 $20 $96 $1,255 $105
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Hyundai Elantra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $158 $256 $324 $20 $96 $854 $71
Elantra Blue 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Elantra GLS 4-Dr Sedan $182 $368 $382 $22 $114 $1,068 $89
Elantra SE 4-Dr Sedan $182 $368 $382 $22 $114 $1,068 $89
Elantra SE Touring Station Wagon $182 $312 $324 $20 $96 $934 $78
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in your specific Amarillo location which can affect prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $27 more each month or $324 each year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 28 months between claims, you would save more money if you opt for a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $110
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

An important thing to remember is that a higher deductible level means you will have to pay more of your own money when you have a claim. That will require enough money in the bank in order to pay more to get your vehicle repaired.

Impact of citations and accidents on insurance rates

The chart below demonstrates how speeding tickets and at-fault accidents can raise Hyundai Elantra insurance premiums for different ages of insureds. The premiums are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Will you really save $419 on insurance?

Consumers can't avoid all the ads for the lowest price insurance by companies like State Farm, Allstate and GEICO. All the companies have a common claim about how much you will save just by switching your coverage.

How can each company give you a better price on insurance? You have to listen carefully.

Many companies can use profiling for a prospective insured that makes them money. One example of a profitable insured may need to be a married male, has had continuous coverage, and insures a new vehicle. Someone that hits that "sweet spot" will get low premium rates and most likely will save quite a bit of money when switching.

Potential insureds who fall short of this stringent profile must pay more expensive rates with the end result being the prospect going elsewhere. The trick companies use is to say "drivers that switch" not "all people who quote" will save that much if they switch. That's why companies can truthfully make it sound like they have such great prices.

This really drives home the point why you absolutely need to get price quotes at each policy renewal. Because you never know which company will have the best premium rates for your profile.

Protect your vehicle and other assets

Even though it's not necessarily cheap to insure a vehicle in Amarillo, car insurance is most likely required but also gives you several important benefits.

The benefits of insuring your vehicle more than offset the price you pay, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $865 each year so it's recommended you shop around at every policy renewal to help ensure money is not being wasted.

Discounts mean cheaper rates

Some companies do not list every policy discount very well, so the list below gives a summary of a few of the more common and also the lesser-known credits available to lower your premiums when you buy Amarillo car insurance online. If they aren't giving you every credit possible, you are just wasting money.Cheaper car insurance with discounts

It's important to note that some credits don't apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Companies and the discounts they provide are:

If you are trying to find cheap Amarillo car insurance quotes, ask all companies you are considering to apply every possible discount. Discounts might not apply in your area. For a list of insurance companies who offer discounts in Texas, follow this link.

Neighborhood agents and auto insurance

A small number of people just want to sit down with an agent and that can be a smart move Professional insurance agents can help determine the best coverages and will help you if you have claims. A good thing about getting free rate quotes online is that you can obtain cheaper rates and still have an agent to talk to. And providing support for local agents is important particularly in Amarillo.

Insurance agency in AmarilloTo make it easy to find an agent, after completing this form (opens in new window), the coverage information gets sent to agents in your area that provide free Amarillo car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to visit any agencies because prices are sent to you instantly. If you need to get a price quote from a specific insurance company, you would need to jump over to their website and fill out the quote form the provide.

If you need to find a reputable insurance agent or broker, you should know the different types of agents from which to choose. Agencies in Amarillo may be either independent or exclusive depending on the company they work for. Both types can insure your vehicles properly, but it's important to know the subtle differences because it can factor into the selection process.

Independent Agents (or Brokers)

Independent agencies do not sell for just one brand so they can write business through lots of different companies and possibly get better coverage at lower prices. If your premiums go up, an independent agent can move your coverage and that require little work on your part.

If you need cheaper auto insurance rates, you absolutely need to get rate quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Most have the option of insuring with additional companies that you may not be familiar with which may have better rates.

Exclusive Agents

These type of agents can only place business with one company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide other company's prices so keep that in mind. Exclusive agencies are usually quite knowledgeable on what they offer which aids in selling service over price. Many people buy from the same agent for years partially due to high brand loyalty and the convenience of having all coverages with one company.

Finding a good auto insurance agent shouldn't rely on just a cheap price. Agents should be asked these questions:

Upon receiving answers to your satisfaction to these questions in addition to an acceptable price estimate, chances are good that you have found an insurance agent that can be relied on to provide auto insurance coverage. Just remember you are entitled to terminate coverage when you choose so don't feel that you are obligated to a specific agent for the full policy term.

Do I need special coverages?

When selecting insurance from an agent or online for your vehicles, there really isn't a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

For instance, these questions may help highlight whether or not you would benefit from professional advice.

If it's difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can help protect your family.

One last thing to lower rates

We've covered a lot of tips how to lower your insurance premium rates in Amarillo. The most important thing to understand is the more companies you get prices for, the higher your chance of finding inexpensive Amarillo car insurance quotes. Drivers may even discover the lowest priced insurance comes from some of the lesser-known companies.

Cheaper insurance in Amarillo can be bought online as well as from independent agents in Amarillo, so you need to shop Amarillo car insurance with both to get a complete price analysis. There are still a few companies who do not provide price quotes online and many times these small, regional companies sell through independent agencies.

When shopping online for insurance, do not buy poor coverage just to save money. There are too many instances where someone sacrificed collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

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