Do you think you bought overpriced insurance? Believe me when I say there are a lot of people in League City just like you who feel imprisoned by their insurance policy.
Unbelievable but true according to a study a large majority of insurance policyholders have stayed with the same insurance company for over three years, and roughly 40% of drivers have never quoted insurance rates at all. League City insurance shoppers can cut their rates by up to 70% a year, but most just don't grasp the big savings they would realize if they switched.
Having so many insurance providers from which to choose, it's nearly impossible to choose a lower cost insurance company.
You need to do rate comparisons yearly because prices are constantly changing. Even if you got the best rates on insurance on your last policy you will most likely find a better rate quote today. There are a lot of ways to save on insurance on the web, but in a few minutes you can learn some excellent ideas to lower your insurance rates in League City.
Locating affordable policy in League City is not as hard as you may think. Essentially every vehicle owner who needs cheaper insurance will probably buy a cheaper policy. But Texas vehicle owners need to learn the way companies determine what you pay and use it to your advantage.
The quickest method we recommend to compare insurance rates from multiple companies utilizes the fact all the major auto insurance companies will pay a fee to give rate comparisons. The one thing you need to do is give them rating details including what your job is, which vehicles you own, an estimate of your credit level, and how old drivers are. That information is then submitted to many different companies and you will receive price estimates within a short period of time.
If you would like to start a quote now, click here and enter the information requested.
The following companies provide free quotes in League City, TX. If multiple companies are listed, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$966||$483||$81|
|Chevrolet Silverado LS Regular Cab 2WD||$1,156||$578||$96|
|Dodge Grand Caravan SXT||$1,148||$574||$96|
|Dodge Ram Crew Cab TRX 2WD||$1,076||$538||$90|
|Ford Edge SEL AWD||$1,262||$631||$105|
|Ford Escape Limited 2WD||$766||$383||$64|
|Ford F-150 STX Regular Cab 4WD||$1,384||$692||$115|
|Ford Focus SES 4-Dr Sedan||$1,042||$521||$87|
|Honda Accord EX-L 4-Dr Sedan||$1,264||$632||$105|
|Honda CR-V EX-L 4WD||$876||$438||$73|
|Honda Civic EX 4-Dr Sedan||$1,158||$579||$97|
|Kia Optima LX||$1,598||$799||$133|
|Nissan Altima 2.5 4-Dr Sedan||$1,308||$654||$109|
|Toyota Camry SE||$1,440||$720||$120|
|Toyota Corolla S||$1,064||$532||$89|
|Toyota RAV4 Limited 4WD||$1,350||$675||$113|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific location information which can increase or decrease rates noticeably.
Drive responsibly or pay higher rates
The chart below highlights how speeding tickets and at-fault accidents impact Chevrolet Silverado insurance prices for different ages of insureds. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Analysis of deductible levels
The chart below demonstrates how deductibles and can impact Hyundai Elantra insurance rates for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
You may qualify for discounts
Some companies don't always list all discounts in an easy-to-find place, so here is a list both well-publicized and also the more inconspicuous credits that may apply to you. If you don't get every credit available, you are just wasting money.
- Federal Employees - Simply working for the federal government can earn a discount up to 10% depending on your company.
- Defensive Driver - Successfully completing a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
- E-sign Discounts - Some larger companies will give a small break just for signing your application on their website.
- Telematics Data - Insureds who allow their auto insurance company to look at their driving habits through the use of a telematics system such as State Farm's In-Drive may see discounts if they show good driving skills.
- Good Driver Discount - Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
Consumers should know that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So even though you would think you would end up receiving a 100% discount, it just doesn't work that way.
Some companies that may offer some of the above discounts include:
Check with each company how many discounts you can get. A few discounts might not be available to policyholders in League City. If you would like to choose from a list of auto insurance companies that offer some of these discounts in League City, click here.
Coverages available on your policy
Understanding the coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.
Comprehensive coverages - This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, hail damage, rock chips in glass and a broken windshield. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Coverage for liability - Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 30/60/25 which means $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like medical services, court costs and medical expenses. How much liability should you purchase? That is your choice, but it's cheap coverage so purchase higher limits if possible. Texas requires drivers to carry at least 30/60/25 but it's recommended drivers buy more liability than the minimum.
Coverage for medical payments - Med pay and PIP coverage pay for short-term medical expenses like EMT expenses, X-ray expenses, pain medications, dental work and nursing services. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your vehicle.
Because many people have only the minimum liability required by law (30/60/25 in Texas), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Collision coverages - Collision insurance covers damage to your vehicle resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like colliding with a tree, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.
Smart shoppers get results
As you prepare to switch companies, you should never buy poor coverage just to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to buy the best coverage you can find at the best price.
Throughout this article, we presented a lot of information how to compare car insurance auto insurance rates in League City. The key thing to remember is the more rate quotes you have, the better likelihood of getting low cost League City car insurance quotes. You may even discover the lowest auto insurance rates come from a lesser-known regional company. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.
Additional car insurance information is available at these links:
- How do I File a Claim? (Insurance Information Institute)
- Who Has Cheap Auto Insurance for 18 Year Olds in Texas? (FAQ)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Texas? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Vehicle Insurance (Wikipedia)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)