Want to save money and find the cheapest car insurance rates in Keller, TX? Trying to find better insurance prices for a car in Texas can turn out to be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to shop for car insurance and you need to know the proper way to get price quotes for your and obtain the lowest possible price.
Smart consumers take time to check car insurance prices at least once a year since prices trend upward over time. Despite the fact that you may have had the best price on car insurance a few years ago there may be better deals available now. There is too much inaccurate information about car insurance on the web, but we're going to give you the best ways to stop overpaying for insurance in Keller.
If you are already insured or are shopping for new coverage, you can learn to cut your premiums while maintaining coverages. Getting quotes for more affordable insurance coverage in Keller is easy to do. Drivers just need to use the proper methods to compare price quotes online.
The following companies are ready to provide price quotes in Keller, TX. To locate the best cheap car insurance in Texas, we recommend you compare several of them to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LS||$1,098||$549||$92|
|Chevrolet Malibu LS||$1,284||$642||$107|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,518||$759||$127|
|Dodge Ram Crew Cab TRX 4WD||$1,352||$676||$113|
|Ford Edge SEL AWD||$1,026||$513||$86|
|Ford Escape XLS 2WD||$1,104||$552||$92|
|Ford F-150 XLT Regular Cab 2WD||$1,144||$572||$95|
|Ford Focus SE 2-Dr Coupe||$1,106||$553||$92|
|GMC Sierra SLE Crew Cab 2WD||$1,512||$756||$126|
|Honda Accord LX-P 4-Dr Sedan||$1,278||$639||$107|
|Honda CR-V EX-L 2WD||$1,112||$556||$93|
|Honda Civic DX 2-Dr Coupe||$1,374||$687||$115|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,190||$595||$99|
|Mazda 3 S Grand Touring 4-Dr Sedan||$1,278||$639||$107|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,126||$563||$94|
|Toyota Camry SE||$1,224||$612||$102|
|Toyota Corolla LE||$1,544||$772||$129|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,156||$578||$96|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can impact rates greatly.
Price comparison of only insuring for liability
The example below examines Hyundai Elantra yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The costs are based on a clean driving record, no claims, $250 deductibles, single male driver, and no additional discounts are factored in.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you be buying full coverage?
There is no definitive formula to delete physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let's assume your Hyundai Elantra claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after you pay the deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where buying only liability insurance is not in your best interest. If you haven't paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Insurance rate increases from tickets or accidents
The example below demonstrates how traffic citations and at-fault accidents can influence Toyota Corolla insurance costs for each different age group. The prices are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
Reduce your car insurance rates with discounts
Not too many consumers would say car insurance is affordable, but there's a good chance there are discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but a few must be asked for before you get the savings.
- Military Deployment Discount - Having an actively deployed family member may lower your prices slightly.
- Early Renewal Discounts - A few car insurance companies give discounts for switching to them before your current policy expires. You could save around 10% when you buy Keller auto insurance online.
- Good Student - Getting good grades may save you up to 25%. Most companies allow this discount until age 25.
- Online Discount - A few car insurance companies may give you up to $50 simply for signing online.
- More Vehicles More Savings - Drivers who insure more than one vehicle on a single policy could earn a price break for each car.
- Seat Belts Save - Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more on medical payment and PIP coverage.
- First Accident Forgiveness - This one isn't a discount, but companies like GEICO and Allstate will let one accident slide before hitting you with a surcharge if your claims history is clear for a certain period of time.
Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it's just not the way it works.
A few of the larger companies and a partial list of their discounts can be found below.
- GEICO discounts include emergency military deployment, defensive driver, multi-policy, seat belt use, and anti-theft.
- MetLife may have discounts that include accident-free, defensive driver, good student, multi-policy, and claim-free.
- State Farm may offer discounts for good driver, student away at school, safe vehicle, Steer Clear safe driver discount, and accident-free.
- Progressive has discounts for homeowner, multi-vehicle, good student, multi-policy, online quote discount, continuous coverage, and online signing.
- Mercury Insurance includes discounts for good driver, anti-theft, type of vehicle, accident-free, and age of vehicle.
- 21st Century may include discounts for good student, early bird, defensive driver, 55 and older, and homeowners.
- Allstate offers discounts for multi-policy, EZ pay plan discount, economy car, farm vehicle, FullPay discount, utility vehicle, and anti-lock brakes.
When getting a coverage quote, ask every prospective company to apply every possible discount. Discounts might not be offered on policies in Keller.
Informed consumers can reduce your rates
Lots of things are part of the equation when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are more transparent such as your marital status or how financially stable you are.
Men pay higher rates - Statistics demonstrate that men are more aggressive behind the wheel. However, don't assume that men are WORSE drivers than women. Females and males have at-fault accidents at about the same rate, but the males tend to have higher claims. Not only are claims higher, but men get more serious tickets like reckless driving and DUI. Males from age 16 to 21 generally have the highest accident percentage and therefore have the most expensive car insurance rates.
Raise comp and collision deductibles and save - Physical damage protection, also called comprehensive and collision insurance, helps pay for damage to your vehicle. A few examples of covered claims are a broken windshield, collision with an animal, and damage caused by flying debris. Your deductibles state the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more of the claim you pay before a claim is paid (deductible), the less your car insurance will be.
Premiums are affected by your credit rating - Having a good credit history factor in your rate calculation. Insureds with high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit score can be improved, you could potentially save money when insuring your vehicle by taking the time to improve your credit score.
Rental and towing coverage may not be needed - Insurance companies have many extra add-on coverages that may not really be needed on your car insurance policy. Coverages for vanishing deductibles, better glass coverage, and term life insurance may be costing you every month. They may sound like good ideas when talking to your agent, but if they're wasting money consider taking them off your policy.
Lower miles equals lower premium - The more you drive your car every year the more you'll pay to insure your vehicle. A lot of companies price each vehicle's coverage based upon how you use the vehicle. Autos that do not get driven very much qualify for better rates than cars that get driven a lot. It's always a good idea to double check that your car insurance policy is showing the proper vehicle usage.
Continuous car insurance coverage lowers car insurance rates - Not having insurance is not a good idea and car insurance companies will penalize you for letting your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with the Texas department of motor vehicles.
Your address can influence price - Residing in a rural area is a good thing when buying car insurance. Less people translates into fewer accidents. Urban drivers have more road rage incidents and a longer drive to work. Spending more time driving translates into higher accident risk.
Local neighborhood insurance agents
Some people just want to get professional advice from a licensed agent and that can be a smart move Professional agents are trained risk managers and help submit paperwork. An additional benefit of comparing rates online is that you can find cheaper car insurance rates but also keep your business local.
By using this form (opens in new window), your insurance coverage information is sent to agents in your area that provide free Keller auto insurance quotes and help you find cheaper coverage. It's much easier because you don't need to leave your house since price quotes are sent to your email. If you have a need to quote rates from one company in particular, just navigate to their website and complete a quote there.
Choosing the best insurance company requires you to look at more than just the quoted price. The following questions are important to ask.
- Do they offer rental car reimbursement?
- Are they in the agency full-time?
- Will they give you a referral list?
- Can they help ensure a fair claim settlement?
- Do they offer accident forgiveness?
- Are claims handled at the agent's location?
If you prefer to buy insurance from a reputable insurance agent or broker, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agents in Keller can be classified as either exclusive or independent. Either can properly insure your vehicles, but it's a good idea to understand the difference between them since it can affect the kind of agent you use.
Exclusive Insurance Agencies
Agents that elect to be exclusive have only one company to place business with such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to use the same agent primarily because of the brand name and solid financial strength.
Independent Agents (or Brokers)
Agents that choose to be independent do not have single company limitations so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can switch companies which is easy for the insured. When searching for an agent, it's recommended you get rate quotes from a couple of independent agencies for maximum quote selection. Most also have access to different regional companies that may provide cheaper insurance rates.
Upon getting acceptable answers for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that can adequately provide insurance. Keep in mind it's your policy and you can cancel a policy whenever you wish so don't feel you are locked into any specific company indefinitely.
When do I need an agent's advice?
When it comes to choosing proper insurance coverage for your personal vehicles, there really isn't a cookie cutter policy. Everyone's needs are different.
For instance, these questions might help in determining if your situation would benefit from an agent's advice.
- What is the ISO rating for a vehicle?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I benefit by insuring my home with the same company?
- Can I get a multi-policy discount?
- Is a new car covered when I drive it off the dealer lot?
- Do I need PIP (personal injury protection) coverage in Texas?
- Is pet coverage available?
If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.
Ads can be misleading
Consumers can't avoid all the ads for insurance savings by companies like State Farm and Allstate. All the companies make the same claim that people will save if you move your insurance coverage to their company.
That's great but how can every company claim to save you money?
Most companies look for specific characteristics for the type of customer that earns them the highest profit. For example, a profitable risk profile could be between 25 and 40, has no driving citations, and has a high credit rating. A customer getting a price quote who matches that profile receives the best rates in Keller as well as save a lot of money.
People who don't meet the "perfect" profile will be charged higher rates and the prospect going elsewhere. If you pay close attention to the ads, they say "customers who switch" not "everybody who quotes" can save as much as they claim. That's why companies can make those claims. This really emphasizes why you really need to quote coverage with many companies. It's not possible to predict which company will have the best insurance in Keller.
Cheap insurance is out there
Lower-priced insurance in Keller is possible from both online companies and with local Keller insurance agents, so you need to quote Keller auto insurance with both to have the best rate selection. A few companies don't offer rates over the internet and many times these smaller providers sell through independent agencies.
As you quote Keller auto insurance, don't be tempted to buy less coverage just to save a little money. There are many occasions where an insured dropped collision coverage and discovered at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best price.
Insureds change insurance companies for any number of reasons including high rates after DUI convictions, unfair underwriting practices, policy non-renewal and an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is not as hard as you think.
For more information, link through to the following helpful articles:
- Auto Insurance 101 (About.com)
- Who Has Cheap Car Insurance Rates for Drivers with a DUI in Texas? (FAQ)
- What Auto Insurance is Cheapest in Pasadena, Texas? (FAQ)
- Who Has the Cheapest Texas Auto Insurance for Used Cars? (FAQ)
- Who Has Cheap Auto Insurance for Electric Cars in Texas? (FAQ)
- Who Has Cheap Car Insurance Rates for Homeowners in Texas? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Nissan Altima in Texas? (FAQ)
- Understanding your Policy (NAIC.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)