How many years has it been since you compared low-cost insurance rates in Edinburg, TX? Edinburg shoppers have options when shopping for low-cost car insurance. You can either waste hours calling around getting price quotes or leverage the internet to compare rates.

There is a right way and a wrong way to compare insurance rates and we'll show you the proper way to quote coverages on a and get the cheapest rates.

We hope to teach you a little about the best way to buy inexpensive car insurance and some money-saving tips. If you have coverage now, you stand a good chance to be able to shop for the lowest rates using the ideas covered in this article. Smart buyers just have to understand the best way to buy car insurance from many different companies.

The providers in the list below are ready to provide price comparisons in Texas. If your goal is to find cheap car insurance in Texas, we recommend you get rate quotes from several of them to find the most affordable auto insurance rates.

Insurance Cost Estimates for Popular Vehicles in Edinburg
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $884 $442 $74
Dodge Ram Crew Cab TRX 2WD $1,252 $626 $104
Ford Edge SEL AWD $1,026 $513 $86
Ford Escape Limited 2WD $1,026 $513 $86
Ford F-150 FX4 Super Cab 4WD $1,490 $745 $124
Ford Focus SE 4-Dr Sedan $1,000 $500 $83
Ford Fusion SEL 4-Dr Sedan $1,626 $813 $136
Honda Accord EX 4-Dr Sedan $1,380 $690 $115
Honda CR-V EX 2WD $1,016 $508 $85
Honda Civic LX 2-Dr Coupe $1,610 $805 $134
Hyundai Sonata Limited 4-Dr Sedan $1,704 $852 $142
Jeep Grand Cherokee Limited 2WD $1,466 $733 $122
Nissan Altima Hybrid 4-Dr Sedan $1,434 $717 $120
Toyota Camry SE $1,200 $600 $100
Toyota Corolla XLE $1,228 $614 $102
Toyota Tacoma Double Cab 4WD $1,224 $612 $102
Volkswagen Jetta SE 4-Dr Sedan $1,442 $721 $120
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rates do not factor in specific location information which can revise premium rates substantially.

Edinburg insurance costs by age and gender

The chart below visualizes the comparison of insurance rates for male and female drivers in Edinburg. The premium estimates are based on no accidents or driving violations, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied to the premium on a Kia Optima EX.

Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Lower rate quotes on auto insurance with these discounts

Companies offering auto insurance do not advertise every discount in a way that's easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious auto insurance savings.Cheaper auto insurance with discounts

Policy discounts save money, but some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren't that generous.

To see a list of insurers that provide some of the discounts listed above in Texas, click here to view.

Why you need vehicle insurance in Texas

Even though rates can get expensive, paying for insurance is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of having insurance outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $700 annually so compare rate quotes once a year at a minimum to ensure rates are inline.

When to get professional advice

When buying the best insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Your needs are not the same as everyone else's.Drive safe and save

These are some specific questions may help you determine if your situation may require specific advice.

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance agents near you

Many people would rather buy from a local agent and doing that can be a smart decision Licensed agents can point out coverage gaps and help submit paperwork. A good thing about comparing rates online is that you can obtain the lowest rates and also buy local. Putting coverage with local insurance agencies is important particularly in Edinburg.

Insurance agency in EdinburgBy using this short form, your insurance coverage information is instantly submitted to participating agents in Edinburg who will give competitive quotes for your insurance coverage. You won't need to contact any insurance agencies since price quotes are sent to you instantly. If you need to get a comparison quote from a particular provider, don't hesitate to go to their quote page and complete a quote there.

Insurance agent types

When researching a reputable agency, there are two different types of agencies and how they can write your policy. Agents in Edinburg are either independent or exclusive. Either one can write car insurance policies, but it's a good idea to understand the difference between them because it may have an impact on your agent selection.

Independent Insurance Agents

Agents that choose to be independent are normally appointed by many insurers and that is an advantage because they can write policies through lots of different companies and find the cheapest rate. If you want to switch companies, your agent can switch companies and you don't have to find a new agent. If you are comparing rate quotes, you absolutely need to compare prices from independent agents to maximize your price options. Most have the option of insuring with smaller regional carriers which can save you money.

Exclusive Car Insurance Agencies

Agents that choose to be exclusive can only quote rates from one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to compare other company's rates so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their company's products which aids in selling service over price. A lot of people buy insurance from these agents partially due to the brand legacy and strong financial ratings.

Finding the right car insurance agent requires more thought than just a cheap quote. Any good agent in Edinburg should know the answers to these questions.