Are you sick and tired of being strong-armed to pay your auto insurance bill each month? You're in the same situation as the majority of other people in Texas.

It's hard to believe, but the majority of drivers have stayed with the same insurance company for four years or more, and nearly 40% of drivers have never compared quotes from other companies. American drivers could save themselves almost 46.5% a year, but they just don't understand how easy it is to go online and compare rates.

Lots of insurance companies contend for your business, and because of this it can be hard to compare insurance companies to find the absolute lowest price on auto insurance.

You should make it a habit to get comparison quotes on a regular basis because prices tend to go up over time. Despite the fact that you may have had the best price on auto insurance six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you're going to learn the proper way to save money, get proper coverage and the best rates.

Just keep in mind that comparing more prices increases your odds of finding a better price.

The companies shown below provide quotes in Uvalde, TX. To find cheap auto insurance in Texas, we recommend you visit as many as you can to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Uvalde
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,322 $661 $110
Chevrolet Silverado LS Extended Cab 2WD $1,564 $782 $130
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,768 $884 $147
Ford Edge Limited AWD $952 $476 $79
Ford Escape XLS 4WD $950 $475 $79
Ford Explorer XLT AWD $1,220 $610 $102
Ford F-150 FX2 Super Cab 2WD $956 $478 $80
Ford Focus SEL 4-Dr Sedan $1,060 $530 $88
Honda Accord EX 2-Dr Coupe $1,482 $741 $124
Honda CR-V EX 4WD $870 $435 $73
Honda Civic LX-S 4-Dr Sedan $1,198 $599 $100
Jeep Grand Cherokee Limited 2WD $970 $485 $81
Mazda 3 I Sport 4-Dr Sedan $1,182 $591 $99
Nissan Altima 2.5 S 2-Dr Coupe $1,318 $659 $110
Nissan Rogue S 2WD $1,326 $663 $111
Toyota Camry XLE $1,252 $626 $104
Toyota Corolla S $1,064 $532 $89
Toyota Prius $1,124 $562 $94
Volkswagen Jetta S 4-Dr Sedan $1,202 $601 $100
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in specific garaging location which can modify price quotes significantly.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is how low should you set your deductibles. The following tables lay out the price difference of buying low and high physical damage coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Pilot insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $294 $408 $382 $22 $114 $1,245 $104
Pilot EX 2WD $332 $408 $382 $22 $114 $1,283 $107
Pilot EX 4WD $332 $408 $382 $22 $114 $1,283 $107
Pilot EX-L 2WD $332 $496 $382 $22 $114 $1,371 $114
Pilot EX-L 4WD $332 $496 $382 $22 $114 $1,371 $114
Pilot Touring 2WD $332 $496 $382 $22 $114 $1,371 $114
Pilot Touring 4WD $332 $496 $382 $22 $114 $1,371 $114
Get a Quote for Your Vehicle Go
Honda Pilot insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $182 $256 $382 $22 $114 $956 $80
Pilot EX 2WD $206 $256 $382 $22 $114 $980 $82
Pilot EX 4WD $206 $256 $382 $22 $114 $980 $82
Pilot EX-L 2WD $206 $312 $382 $22 $114 $1,036 $86
Pilot EX-L 4WD $206 $312 $382 $22 $114 $1,036 $86
Pilot Touring 2WD $206 $312 $382 $22 $114 $1,036 $86
Pilot Touring 4WD $206 $312 $382 $22 $114 $1,036 $86
Get a Quote for Your Vehicle Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in your specific Uvalde location which can impact premium rates greatly.

Using the data above, we can ascertain that using a $250 deductible costs an average of $27 more each month or $324 for a full year than requesting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 28 months between claims, you would come out ahead by going with a higher deductible.

Deductible analysis

The illustration below shows how different deductible levels and can impact Honda Accord yearly insurance costs for different ages of insureds. The prices are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Gender-based car insurance rates by age

The illustration below visualizes the comparison of car insurance rates for male and female drivers in Uvalde. The data is based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in on a Ford Focus SES.

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

Score discounts to get cheaper Uvalde car insurance rates

Auto insurance companies don't necessarily list every available discount very clearly, so the following is a list of some of the more common and the more hidden credits available to lower your premiums when you buy Uvalde car insurance online.Discount car insurance

As a footnote on discounts, most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts should help lower the cost of your policy.

A few popular companies and some of their more popular discounts are detailed below.

If you need cheaper Uvalde car insurance quotes, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered on policies in your area.

Seven ways to find auto insurance cheaper in Uvalde

A large part of saving on auto insurance is knowing the factors that help calculate the price you pay for auto insurance. If you understand what determines base rates, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The itemized list below are a few of the things utilized by car insurance companies to help set prices.

Big names are not always cheapest

Popular car insurance providers such as State Farm, GEICO and Progressive endlessly run ads on TV and radio. All the ads make an identical promise that drivers can save some big amount if you get a free Uvalde car insurance quote and switch to them. How can each company lower your auto insurance rates?

Car insurance companies give the cheapest rates for the driver that will most likely be profitable. For instance, a desirable risk might be described as over the age of 35, has few claims, and drives less than 7,500 miles a year. A customer getting a price quote that meets those criteria gets the lowest prices and will probably save when switching.

People who fall outside these standards will probably be forced to pay a higher premium and this results in the customer buying from someone else. If you listen to the ad wording, they say "customers who switch" but not "all drivers who get quotes" can save as much as they claim. That is how insurance companies can make it sound like they have such great rates.

This illustrates why it's extremely important to get Uvalde car insurance quotes as often as possible. It is impossible to predict the company that will have better prices than you're paying now.

Cheaper car insurance is a realistic goal

Discount car insurance in Uvalde can be bought from both online companies and with local Uvalde insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not offer online rate quotes and usually these regional carriers work with independent insurance agencies.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at the best price and still be able to protect your assets.

We've covered quite a bit of information on how to lower your car insurance auto insurance rates in Uvalde. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Drivers may even discover the most savings is with a lesser-known regional company. Some small companies often have lower premium rates on specific markets compared to the large companies like Progressive and GEICO.

More information can be found below: