How long has it been since you sat down and looked for low-cost insurance rates in Conroe, TX? Conroe consumers have many options when looking for low-cost car insurance. You can either spend your time driving around getting price quotes or utilize the internet to compare rates. There is a better way to shop for insurance so you're going to learn the absolute fastest way to get price quotes on a and obtain the lowest possible price from Conroe insurance agents and online providers.

Locating the best rates in Conroe is actually not that difficult if you follow our advice. If you have a current auto insurance policy, you should be able to reduce premiums using these methods. Vehicle owners just need to know the most effective way to find the lowest price using one simple form.

Cutting your Conroe insurance rates can be surprisingly simple. All you need to do is spend a few minutes comparing free Conroe auto insurance quotes to find out which insurance company has cheaper Conroe auto insurance quotes.

The car insurance companies shown below offer quotes in Conroe, TX. If you wish to find the cheapest car insurance in Texas, we suggest you visit two to three different companies to find the lowest car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Conroe
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,000 $500 $83
Chevrolet Equinox LT 2WD $1,486 $743 $124
Chevrolet Impala LT $1,142 $571 $95
Chevrolet Silverado LTZ Extended Cab 2WD $1,368 $684 $114
Dodge Ram Crew Cab TRX 4WD $1,920 $960 $160
Ford Edge Limited AWD $1,396 $698 $116
Ford Escape XLS 4WD $854 $427 $71
Ford Explorer Eddie Bauer AWD $1,156 $578 $96
Ford F-150 XL Regular Cab 2WD $970 $485 $81
Ford Focus SE 2-Dr Coupe $1,444 $722 $120
Honda Accord LX-P 4-Dr Sedan $950 $475 $79
Honda CR-V EX 2WD $1,144 $572 $95
Honda Civic DX 4-Dr Sedan $986 $493 $82
Hyundai Elantra GLS 4-Dr Sedan $1,256 $628 $105
Kia Optima SX $1,034 $517 $86
Mazda 3 I SV 4-Dr Sedan $1,006 $503 $84
Nissan Altima 3.5 SR 2-Dr Coupe $1,272 $636 $106
Nissan Rogue S AWD $1,326 $663 $111
Toyota Camry LE $1,300 $650 $108
Toyota Corolla LE $1,200 $600 $100
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in zip code location which can change premium rates greatly.

Auto insurance deductibles

A question often asked by Conroe drivers is at what level do you set your deductibles. The rates below sum up the differences in price when you buy lower versus higher deductibles. The first table uses a $250 deductible and the second set of rates uses a $500 deductible.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Camry insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $294 $496 $382 $22 $114 $1,333 $111
Camry SE $294 $584 $382 $22 $114 $1,421 $118
Camry XLE $294 $584 $382 $22 $114 $1,421 $118
Camry Hybrid $332 $584 $430 $26 $128 $1,525 $127
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Toyota Camry insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $240 $400 $382 $22 $114 $1,158 $97
Camry SE $240 $472 $382 $22 $114 $1,230 $103
Camry XLE $240 $472 $382 $22 $114 $1,230 $103
Camry Hybrid $270 $472 $430 $26 $128 $1,326 $111
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in vehicle location which can modify coverage prices considerably.

Based on this data, using a $250 deductible could cost the average driver approximately $15 more each month or $180 a year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 17 months between claims, you would more than likely save some money if you choose a higher deductible. The table below illustrates how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a claim. It will be required that you have enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.

Should you buy full coverage?

The chart below examines Ford Fusion yearly insurance costs when comparing full coverage to state minimum liability only. The premiums are based on no violations or claims, $100 deductibles, married male driver, and no policy discounts are applied.

Ford Fusion 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 clear-cut rule for eliminating physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's say your Ford Fusion replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the deductible is paid. If you are paying over $400 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Protect your vehicle and other assets

Despite the high cost, insuring your vehicle is mandatory in Texas but it also protects more than you think.

The benefits of carrying enough insurance definitely exceed the cost, especially if you ever need it. An average driver in America overpays as much as $850 per year so smart consumers compare quotes once a year at a minimum to make sure the price is not too high.

Cheaper Conroe car insurance quotes with discounts

Car insurance is neither fun to buy or cheap, but you may be missing some discounts that many consumers don't even know exist. Some discounts will apply when you purchase, but some need to be asked about in order for you to get them.Cheaper car insurance with discounts

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like it's possible to get free car insurance, car insurance companies aren't that generous.

To see a list of providers that can offer you the previously mentioned discounts in Conroe, click this link.

Insurance can be complex

When quoting and comparing coverage online or from an agent, there really is no one size fits all plan. Each situation is unique.Higher deductibles save money

For example, these questions could help you determine if your situation will benefit from professional help.

If you're not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance is available from agents near you

Some people would rather buy from a licensed agent and often times that is recommended Insurance agents can make sure you are properly covered and give you someone to call. An additional benefit of getting online price quotes is that you can obtain lower car insurance rates and still have a local agent.

Insurance agents in ConroeTo find an agent, once you fill out this short form, your coverage information is emailed to local insurance agents who can give free rate quotes for your business. It simplifies rate comparisons since you won't have to do any legwork since price quotes are sent immediately to your email address. If you need to compare prices from a specific insurance company, don't hesitate to go to their quote page and fill out their quote form.

Choosing an insurer needs to be determined by more than just a cheap quote. The answers to these questions are important, too.

Car insurance 101

Having a good grasp of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield and hitting a bird. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages - This pays for damage to your vehicle resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, crashing into a building, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical costs insurance - Med pay and PIP coverage kick in for short-term medical expenses like hospital visits, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle's occupants and also any damage incurred to your vehicle.

Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability - This will cover damage that occurs to other people or property. It protects you against claims from other people, and doesn't cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 30/60/25 that translate to a limit of $30,000 per injured person, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like attorney fees, court costs, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but drivers should carry better liability coverage.

Car insurance claims by make and model

Which makes and models have the most claims? The data below show the highest and lowest models for the probability of having to file claims.

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Bentley Continental GTC
Chevy Silverado 2500 Bentley Continental GT
Nissan Leaf Maserati Granturismo
GMC Sierra 2500 Maserati Quattroporte
Nissan Xterra BMW M6
Volvo V60 Audi S7

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

Vehicles with the Lowest and Highest Car Insurance Collision Claims
Lowest Claim Amount Highest Claim Amount
Ford Edge BMW M6
Smart ForTwo Maserati Granturismo
Mini Cooper Bentley Continental Flying Spur
Ford F-150 SuperCrew Bently Continental GTC
Jeep Wrangler Nissan GT-R
GMC Canyon Ferrari 458

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

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford Expedition Chrysler 200
Ford F-350 SuperCrew Hyundai Accent
Chevrolet Silverado 2500 Dodge Charger
Land Rover Range Rover Sport Chevrolet Spark
Audi A4 Allroad Nissan Sentra
Chevrolet Corvette Chevrolet Sonic

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

Liability Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Acura MDX Kia Optima
Chevrolet Corvette Chevrolet Impala
Audi A6 Chrysler 200
Mercedes-Benz SL Class Mitsubishi Lancer
Fiat 500 Chevrolet Sonic
Subaru Forester Hyndai Accent

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

Find affordable rates by comparing often

As you shop your coverage around, it's a bad idea to reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage only to regret that it was a big error on their part. Your goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Insureds switch companies for any number of reasons including not issuing a premium refund, poor customer service, high prices or high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

You just read many ideas to get a better price on auto insurance in Conroe. The key concept to understand is the more times you quote, the better chance you'll have of finding cheap Conroe auto insurance quotes. You may even be surprised to find that the lowest premium rates are with an unexpected company.

Helpful learning opportunities