Want to learn the secrets to finding low-cost auto insurance rates in Galveston, TX? Nobody that owns a car fancies paying their premiums for auto insurance, in particular when the cost is too high.

Inconceivable but true, almost 70% of drivers in Texas have bought auto insurance from the same company for well over three years, and almost 40% of drivers have never compared auto insurance rates at all. Consumers in America can cut their rates by almost 46.5% a year, but they don't believe the rate savings if they switched to a cheaper policy. Because there are so many options when it comes to auto insurance, it can be challenging to locate the most cost effective insurance company.

It's a good habit to check auto insurance prices occasionally due to the fact that insurance rates change frequently. Just because you found the best premium rates on auto insurance last year a different company probably has better prices today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the quickest way to get good coverage on auto insurance at a lower rate.

The purpose of this article is to let you in on the most effective ways to compare rates and how to save the most money. If you have car insurance now, you will most likely be able to find better prices using these methods. Shoppers just need to understand the least time-consuming way to shop online.

The following companies are ready to provide price quotes in Galveston, TX. To buy the best car insurance in Texas, it's highly recommended you visit as many as you can to find the most affordable car insurance rates.

Insurance Price Estimates for Popular Vehicles in Galveston
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $1,182 $591 $99
Chevrolet Silverado LT Crew Cab 2WD $1,034 $517 $86
Dodge Grand Caravan SXT $906 $453 $76
Dodge Ram Quad Cab ST 4WD $1,252 $626 $104
Ford Escape Limited 4WD $1,228 $614 $102
Ford Explorer Eddie Bauer AWD $1,316 $658 $110
Ford F-150 XLT Regular Cab 2WD $1,176 $588 $98
Ford Focus SE 4-Dr Sedan $988 $494 $82
Honda Accord LX 4-Dr Sedan $1,086 $543 $91
Honda CR-V EX 2WD $968 $484 $81
Honda Civic GX 4-Dr Sedan $1,122 $561 $94
Jeep Grand Cherokee SRT-8 4WD $970 $485 $81
Kia Optima SX $1,034 $517 $86
Nissan Altima 3.5 SR 4-Dr Sedan $1,080 $540 $90
Toyota Camry LE $1,006 $503 $84
Toyota Corolla XRS $1,374 $687 $115
Toyota RAV4 Sport 2WD $888 $444 $74
Toyota Tacoma X-Runner 2WD $1,600 $800 $133
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific location information which can impact coverage prices considerably.

Price comparison of only insuring for liability

The diagram below illustrates the comparison of Hyundai Sonata auto insurance rates with liability coverage only compared to full coverage. Data assumes no violations or accidents, $1,000 deductibles, single male driver, and no discounts are applied.

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

When to drop full coverage

There is no exact rule of when to eliminate physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Hyundai Sonata book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after you pay the deductible. If it's costing in excess of $800 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage 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 damaged, you should not opt for liability only.

Analysis of deductible levels

The example below shows how choosing a deductible and can change Ford Escape annual premium costs for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Compare rate quotes but work with a local Galveston insurance agency

Some consumers just want to go talk to an agent and that is not a bad decision Good insurance agents are very good at helping people manage risk and will help you if you have claims. An additional benefit of comparing rate quotes online is that you can obtain the lowest rates but also keep your business local. Putting coverage with local agencies is definitely important in Galveston.

Insurance agency in GalvestonTo make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to local insurance agents in Galveston who want to provide quotes for your coverage. It's much easier because you don't need to even leave your home since price quotes are sent directly to you. If you wish to get a price quote from one company in particular, don't hesitate to jump over to their website and give them your coverage information.

Finding the right insurance company requires more thought than just the price. Any agent in Galveston should have no problem answering these questions: