Would you prefer to buy lower-priced insurance rates in Brownsville, TX? Brownsville buyers have many options when searching for affordable car insurance. They can either spend hours contacting agents to compare prices or utilize the internet to compare rates. There are both good and bad ways to compare insurance rates so we're going to tell you the quickest way to compare rates on a and obtain the lowest price either online or from Brownsville insurance agents.
Compare Brownsville car insurance quotes
Lowering your car insurance rates is a great way to save money. All that's required is to spend a few minutes getting comparison quotes to find the company with low cost Brownsville car insurance quotes.
The companies shown below are ready to provide price comparisons in Brownsville, TX. If your goal is to find cheap auto insurance in Texas, it's a good idea that you click on several of them to find the lowest auto insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LT||$1,082||$541||$90|
|Chevrolet Silverado LS Extended Cab 4WD||$1,152||$576||$96|
|Dodge Ram Crew Cab TRX 2WD||$1,360||$680||$113|
|Ford Escape Limited 4WD||$1,096||$548||$91|
|Ford F-150 STX Super Cab 4WD||$1,306||$653||$109|
|Ford Focus SE 4-Dr Sedan||$980||$490||$82|
|Honda Accord LX-S 2-Dr Coupe||$1,510||$755||$126|
|Honda CR-V EX 4WD||$1,042||$521||$87|
|Honda Civic DX 2-Dr Coupe||$1,058||$529||$88|
|Honda Odyssey EX-L W/Rear Entertainment||$1,264||$632||$105|
|Hyundai Sonata GLS 4-Dr Sedan||$1,188||$594||$99|
|Jeep Grand Cherokee SRT-8 4WD||$1,466||$733||$122|
|Nissan Altima Hybrid 4-Dr Sedan||$1,080||$540||$90|
|Toyota Camry LE||$1,062||$531||$89|
|Toyota Corolla XLE||$1,068||$534||$89|
|Volkswagen Jetta SE 4-Dr Sedan||$1,214||$607||$101|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Table data does not factor in vehicle garaging location which can alter prices considerably.
Rate comparison of men versus women
The illustration below illustrates the comparison of insurance costs for male and female drivers in Brownsville. The data assumes no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium on a Toyota Camry Hybrid.
Toyota Camry rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Full coverage versus liability-only
The example below illustrates the difference between Chevrolet Tahoe premium costs with and without full coverage. The data is based on no claims, a clean driving record, $500 deductibles, married male driver, and no additional discounts are factored in.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying comprehensive and collision coverage
There is no set guideline of when to phase out physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.
For example, let's say your Chevrolet Tahoe replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your policy deductible. If you are paying over $500 a year for full coverage, then you might want to think about dropping full coverage.
There are some situations where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. 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.
Drive safe and save
The illustration below highlights how speeding tickets and accident claims can affect Nissan Altima insurance premiums for different age categories. The prices are based on a single male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
Three main reasons to buy insurance
Even though it can be expensive, buying insurance is required for several reasons.
First, just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it's guaranteed your bank will require you to have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your vehicle at a more expensive rate and force you to pay for it.
Third, insurance protects your vehicle and your assets. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your car are definitely more than the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $865 each year so compare rates at every renewal to make sure the price is not too high.
Don't listen to company ads
Texas drivers can't ignore all the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. All the companies have a common claim about saving some big amount just by switching to their company.
It sounds good, but how can they all offer you a better deal on car insurance? Here is the trick they use.
Many companies provide the lowest rates for a prospective insured that will most likely be profitable. An example of a driver they prefer might be a female over age 40, has a clear driving record, and drives less than 10,000 miles a year. Anybody who matches those parameters may get the lowest auto insurance rates in Brownsville and will probably pay quite a bit less when switching companies.
Drivers who don't measure up to this stringent profile may receive higher premiums and this results in business going elsewhere. The wording the ads use say "customers that switch" not "everyone that quotes" save the amount stated. That's the way companies can make the claims of big savings. This really emphasizes why you really need to get a wide range of price quotes. Because you cannot predict with any certainty which company will give you the biggest savings.
These discounts can lower your insurance rates
Car insurance companies don't necessarily list every available discount in a way that's easy to find, so the following is a list of both the well known as well as the least known credits available to bring down your rates. If you check and find you aren't receiving every discount you qualify for, it's possible you qualify for a lower rate.
- Safe Drivers - Drivers without accidents can pay as much as 50% less than drivers with accidents.
- Drivers Education - Teen drivers should enroll in driver's education as it can save substantially.
- Telematics Data Discounts - Insureds who allow driving data collection to analyze driving habits by using a telematics device such as State Farm's In-Drive might see lower rates if they are good drivers.
- Multi-car Discount - Buying a policy with several vehicles with one company can reduce the rates for all insured vehicles.
- No Claims - Claim-free drivers pay less in comparison with drivers with a long claim history.
- Anti-lock Brake Discount - Cars, trucks, and SUVs with ABS and/or traction control are safer to drive so companies give up to a 10% discount.
- Discount for Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
- Anti-theft System - Anti-theft and alarm system equipped vehicles are stolen less frequently and will save you 10% or more.
- Include Life Insurance and Save - Some insurance carriers give a small discount if you purchase life insurance.
- Save over 55 - Mature drivers may receive better insurance rates.
Don't be shocked that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think all the discounts add up to a free policy, that's just not realistic.
If you would like to view insurance companies with the best discounts in Brownsville, click here.
Compare rate quotes but buy from a neighborhood Brownsville auto insurance agent
Many drivers would rather talk to an insurance agent and that is just fine! Licensed agents will help you protect your assets and help you file claims. The best thing about comparing insurance online is that drivers can save money and get cheap insurance quotes and also buy local.
Once you complete this quick form, your information is submitted to agents in your area who will gladly provide quotes and help you find cheaper coverage. You don't have to find an agent since rate quotes are delivered immediately to your email address. If you have a need to quote rates from a particular provider, just navigate to their website to submit a rate quote request.
Choosing the best insurer requires you to look at more than just a cheap quote. You should also get answers to these questions.
- Are they properly licensed to sell insurance in Texas?
- Do they write coverage based solely on cost?
- Does the agent recommend any additional coverage?
- How long has their agency been open in Brownsville?
- Does the company have a solid financial rating?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency have a good rating with the Better Business Bureau?
Best auto insurance agent in Brownsville
If you are searching for an insurance agent, it can be helpful to understand the different types of agents that you can select. Insurance agencies in Brownsville are categorized either independent (non-exclusive) or exclusive. Both types of agents can sell affordable insurance policies, but it's worth learning the difference in the companies they write for because it can impact the selection process.
Exclusive Insurance Agents
Agents that choose to be exclusive can only quote rates from one company like American Family, State Farm, and Allstate. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Exclusive agents are usually well trained on what they offer which aids in selling service over price. Some insured continue to buy from the same agent for years mainly due to the brand legacy rather than having low rates.
Independent Insurance Agents
Independent agents are not locked into one company and that allows them to write policies with lots of companies and find the cheapest insurance rates. If prices rise, your agent can switch companies and the insured can keep the same agent.
When comparing insurance prices, you should always include rate quotes from a couple of independent agencies to maximize your price options. Many can place coverage with companies that do not advertise much that may provide cheaper insurance rates.
Don't give up on cheaper coverage
Consumers who switch companies do it for many reasons like lack of trust in their agent, poor customer service, delays in paying claims or not issuing a premium refund. Whatever your reason, finding a new company is less work than it seems.
You just read some good ideas how to save on insurance in Brownsville. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best rates are with a company that doesn't do a lot of advertising.
Budget-conscious insurance can be purchased on the web and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not have price quotes online and usually these small insurance companies only sell coverage through local independent agencies.
For more information, link through to the articles below:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Quotes for Drivers Under 21 in Texas? (FAQ)
- Comprehensive Coverage (Liberty Mutual)
- Distracted Driving Statistics (Insurance Information Institute)