Want cheaper insurance rates in Pasadena, TX? Did you come to the realization that you have an overpriced insurance policy? It's a common feeling and you are not the only one feeling buyer's remorse.

Shockingly, over 70% of consumers have purchased from the same company for at least the last four years, and just short of a majority have never compared insurance rates at all. Drivers in Pasadena could save as much as 70% each year by just comparing rate quotes, but they underestimate the benefits if they switched to a cheaper policy. Due to the abundance of insurance companies to choose from, it is very difficult to find the most affordable insurance company.

Smart consumers take time to get comparison quotes as often as possible because prices change quite often. Just because you found the best deal on insurance a couple years back you may be paying too much now. Ignore everything you know about insurance because it's time to teach you one of the quickest ways to reduce your cost while increasing coverage.

Getting more affordable car insurance pricing doesn't have to be difficult. Just invest a little time comparing price quotes online from several insurance companies.

It's so easy to compare price quotes online that it makes it obsolete to spend your day driving to insurance agencies in your area. The internet reduces the need to sit down with an agent unless you require the professional advice that only a licensed agent can provide. You can, however, compare online quotes but have a local Pasadena agent actually write the policy.

The providers in the list below have been selected to offer comparison quotes in Texas. If you want cheap car insurance in Texas, we suggest you get rate quotes from several of them in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in Pasadena
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $952 $476 $79
Chevrolet Silverado LT Crew Cab 2WD $1,150 $575 $96
Dodge Grand Caravan SXT $1,168 $584 $97
Dodge Ram Crew Cab Laramie 4WD $1,422 $711 $119
Ford Edge SEL AWD $1,450 $725 $121
Ford Escape XLT 2WD $850 $425 $71
Ford F-150 XL Crew Cab 2WD $1,384 $692 $115
Ford Focus S 4-Dr Sedan $1,292 $646 $108
GMC Sierra SLE Extended Cab 4WD $1,214 $607 $101
Honda Accord LX-S 2-Dr Coupe $1,306 $653 $109
Honda CR-V LX 4WD $854 $427 $71
Honda Civic DX 2-Dr Coupe $1,172 $586 $98
Jeep Grand Cherokee Limited 2WD $1,282 $641 $107
Nissan Altima 3.5 SR 2-Dr Coupe $1,424 $712 $119
Nissan Rogue SL AWD $1,288 $644 $107
Toyota Camry XLE $1,396 $698 $116
Toyota Corolla LE $1,230 $615 $103
Toyota Tacoma Double Cab 4WD $1,490 $745 $124
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices substantially.

Full coverage or liability only

The illustration below shows the comparison of Ford Escape yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rates are based on no violations or claims, $500 deductibles, single female driver, and no policy discounts are applied.

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

When to switch to liability coverage only

There is no set guideline that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's say your Ford Escape replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your deductible. If it's costing in excess of $700 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Physical damage deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The figures shown below outline the rate differences between high and low insurance deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Sentra insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $256 $496 $382 $22 $114 $1,295 $108
Sentra 2.0 S $256 $584 $382 $22 $114 $1,383 $115
Sentra 2.0 SR $256 $584 $382 $22 $114 $1,383 $115
Sentra 2.0 SL $294 $584 $382 $22 $114 $1,421 $118
Sentra SE-R $294 $584 $382 $22 $114 $1,421 $118
Sentra SE-R SPEC V $294 $672 $382 $22 $114 $1,509 $126
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Nissan Sentra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $158 $312 $382 $22 $114 $988 $82
Sentra 2.0 S $158 $368 $382 $22 $114 $1,044 $87
Sentra 2.0 SR $158 $368 $382 $22 $114 $1,044 $87
Sentra 2.0 SL $182 $368 $382 $22 $114 $1,068 $89
Sentra SE-R $182 $368 $382 $22 $114 $1,068 $89
Sentra SE-R SPEC V $182 $424 $382 $22 $114 $1,124 $94
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific zip code location which can raise or lower premium rates significantly.

Based on this data, using a $250 deductible will cost you about $29 more each month or $348 each year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 26 months between claims, you would probably come out ahead if you choose a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $117
Average monthly premium for $1,000 deductibles (subtract): - $88
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

An important thing to remember is that a higher deductible level results in a higher out-of-pocket expense if you have a claim. You should have enough extra money in order to pay the deductible for vehicle repair.

Can higher deductibles save money?

The chart below illustrates how your deductible choice and can affect Hyundai Elantra annual premium costs for different age groups of insureds. The premiums assume a married female driver, comp and collision included, and no discounts are taken into consideration.

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

Are you eligible for every discount?

Not too many consumers would say car insurance is affordable, but there could be significant discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at quote time, but a few need to be requested specifically prior to getting the savings. If they aren't giving you every credit available, you may be paying too high a price.Car insurance discounts

As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way.

Companies and their offered discounts are included below.

When getting free Pasadena car insurance quotes, it's a good idea to each company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To find insurance companies with significant discounts in Texas, click here.

Lower Pasadena auto insurance prices

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can earn you lower rates. Many things are considered when quoting car insurance. Some factors are common sense such as your driving history, but other criteria are more obscure like your continuous coverage or your commute time.

Getting quotes from local Pasadena insurance agencies

Some consumers still like to talk to an insurance agent and that is recommended in a lot of cases Professional insurance agents are trained risk managers and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you can get better rates and still have an agent to talk to.

Insurance agents in PasadenaBy using this quick form, your insurance data is immediately sent to local insurance agents that provide free Pasadena car insurance quotes for your insurance coverage. You won't need to visit any agencies as quotes are delivered to the email address you provide. If you have a need to get a price quote from a specific company, you would need to find their quoting web page and complete a quote there.

Deciding on an company should include more criteria than just the bottom line cost. Get answers to these questions too.

Best car insurance agent in Pasadena

When looking for local Pasadena agents, it's helpful to know the types of insurance agents to choose from. Agents in Pasadena can be categorized as either exclusive or independent agents depending on their company appointments. Both types of agents can insure your vehicles properly, but we need to point out why they differ because it can impact which agent you choose.

Exclusive Auto Insurance Agencies

These agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents are well schooled on their company's products which helps them sell insurance even at higher premiums.

Independent Auto Insurance Agencies

Agents that choose to be independent are not required to write business for one company and that allows them to write policies with lots of companies and find you the best rates. If you want to switch companies, the business is moved internally without you having to go to a different agency. If you are comparing rate quotes, we recommend you get several quotes from independent agents for maximum quote selection.

It's not one size fits all

When it comes to coverage for your vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different so your insurance needs to address that.Higher deductibles save money These are some specific questions could help you determine whether you would benefit from professional advice.

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Insurance claim statistics

What vehicles have the most claims? The tables below outline the good and bad cars and trucks for the probability of having large claims for each type of coverage.

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Nissan Versa
Chevrolet Silverado 3500 Chevrolet Spark
Ford Expedition Chevrolet Sonic
Chevrolet Corvette Dodge Charger
Ford F-350 SuperCrew Mitsubishi Mirage
Land Rover Range Rover Sport Hyundai Accent

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

Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler Nissan GT-R
Ford F-150 SuperCrew Bentley Continental Flying Spur
GMC Canyon Ferrari 458
Ford F-250 SuperCab Audi RS7
Ford Edge Bently Continental GTC
Mini Cooper Maserati Granturismo

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

Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Audi A6 Kia Rio
Subaru Outback Chevrolet Impala
Acura MDX Hyndai Accent
Mercedes-Benz SL Class Chevrolet Cruze
Volvo XC60 Kia Optima
Chevrolet Corvette Mitsubishi Lancer

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

Lowest and Highest Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Smart ForTwo BMW M6
Infiniti QX50 Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GTC
GMC Sierra 2500 Porsche Panamera GTS
Volvo V60 BMW M6
Ford F-350 Audi S7

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

Be persistent and save

Discount car insurance in Pasadena can be found on the web in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide rates over the internet and these regional insurance providers only sell coverage through independent agents.

When buying insurance coverage, it's very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability coverage limits only to find out that the savings was not a smart move. Your goal should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

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