How long has it been since you compared more affordable auto insurance rates in New Braunfels, TX? Did budget coverage turn out to be an underperforming, overpriced auto insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

Sadly, a large majority of drivers in Texas have been with the same company for more than four years, and about 40% of consumers have never shopped around. Many drivers in the United States can save hundreds of dollars each year, but they just assume it takes a lot of time to shop around. Popular companies such as Allstate and Progressive constantly blast consumers with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Smart consumers take time to shop coverage around before your next renewal because insurance prices change regularly. Even if you think you had the best rates on auto insurance two years ago there may be better deals available now. There are a lot of ways to save on auto insurance on the internet, but in just a couple of minutes you can learn some of the best ways to lower your auto insurance premiums.

If you have a policy now or need a new policy, you can use these techniques to get lower rates without having to cut coverage. Locating the most cost-effective insurance policy in New Braunfels is quite easy if you know the best way to do it. Drivers just need to learn the quickest way to quote multiple rates on the web.

The method we recommend to compare insurance rates from multiple companies is to know the trick most of the larger companies pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is provide the companies a bit of rating information like what your job is, whether or not you need a SR-22, how much school you completed, and deductibles desired. Your details is automatically sent to many of the top insurers and you will receive price estimates immediately.

If you would like to compare rates now, click here and complete the quick form.

The car insurance companies shown below can provide price comparisons in New Braunfels, TX. If multiple companies are listed, we suggest you visit as many as you can in order to find the most competitive rates.

Insurance Cost Estimates for Popular Vehicles in New Braunfels
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $1,242 $621 $104
Dodge Ram Crew Cab Laramie 4WD $1,376 $688 $115
Ford Edge SEL 2WD $1,592 $796 $133
Ford Escape XLS 4WD $864 $432 $72
Ford F-150 Lariat Crew Cab Harley 2WD $1,214 $607 $101
Ford Focus S 4-Dr Sedan $986 $493 $82
Ford Fusion SE 4-Dr Sedan $1,278 $639 $107
Honda Accord LX-S 2-Dr Coupe $1,636 $818 $136
Honda CR-V LX 2WD $984 $492 $82
Honda Civic LX 2-Dr Coupe $1,656 $828 $138
Hyundai Sonata GLS 4-Dr Sedan $1,444 $722 $120
Jeep Grand Cherokee Laredo 4WD $1,284 $642 $107
Nissan Altima 3.5 SR 4-Dr Sedan $1,472 $736 $123
Toyota Camry Hybrid $1,322 $661 $110
Toyota Corolla S $1,264 $632 $105
Toyota RAV4 Limited 4WD $1,150 $575 $96
Toyota Tacoma Double Cab 4WD $1,008 $504 $84
Volkswagen Jetta SEL 4-Dr Sedan $1,460 $730 $122
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in specific location which can impact premiums noticeably.

Raise deductibles and save

The example below illustrates how your choice of deductibles and can raise or lower Toyota Corolla insurance prices for different age groups. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

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

Impact of violations and accidents on rates

The diagram below highlights how speeding tickets and at-fault fender-benders drive up Kia Optima insurance rates for different categories of driver ages. The price estimates are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

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

Policy deductible comparison

One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The following tables may help to conceptualize how much more you'll pay when you choose different insurance deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $286 $486 $382 $22 $114 $1,315 $110
Acadia SL AWD $328 $486 $382 $22 $114 $1,357 $113
Acadia SLE 2WD $328 $486 $382 $22 $114 $1,357 $113
Acadia SLE AWD $328 $592 $382 $22 $114 $1,463 $122
Acadia SLT 2WD $328 $592 $382 $22 $114 $1,463 $122
Acadia SLT AWD $370 $592 $382 $22 $114 $1,505 $125
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GMC Acadia insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $158 $256 $382 $22 $114 $932 $78
Acadia SL AWD $182 $256 $382 $22 $114 $956 $80
Acadia SLE 2WD $182 $256 $382 $22 $114 $956 $80
Acadia SLE AWD $182 $312 $382 $22 $114 $1,012 $84
Acadia SLT 2WD $182 $312 $382 $22 $114 $1,012 $84
Acadia SLT AWD $206 $312 $382 $22 $114 $1,036 $86
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in New Braunfels which can modify prices substantially.

We can estimate from the data above that using a $100 deductible costs an average of $36 more each month or $432 each year than buying the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 25 months between claims, you would probably come out ahead if you elect the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $118
Average monthly premium for $1,000 deductibles (subtract): - $82
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important issue to know is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have enough extra savings in the event you have to pay more for the deductible.

Discounts can help save money on car insurance

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but a few need to be inquired about before being credited.Cheaper car insurance with discounts

Policy discounts save money, but many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it just doesn't work that way.

Companies and the discounts they provide are included below.

It's a good idea to ask every company how you can save money. Some discounts listed above may not apply to policies in your area. To view companies who offer online car insurance quotes in Texas, click here to view.

Auto insurance does more than just protect your car

Despite the fact that auto insurance is not cheap in New Braunfels, insuring your vehicle is required in Texas but it also protects you in many ways.

The benefits of having insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America is overpaying over $820 a year so compare rates at least once a year to help ensure money is not being wasted.

Will just any policy work for me?

When quoting and comparing adequate coverage for your vehicles, there really is not a one-size-fits-all type of policy. Your financial needs are unique.Higher deductibles save money

Here are some questions about coverages that might help in determining if you might need an agent's assistance.

If you can't answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It's fast, free and may give you better protection.