Getting budget-priced quotes online may seem to be intimidating for drivers who are new to comparing and buying auto insurance on the internet. With so many insurers to choose from, how can anyone even start to compare them all to find the cheapest rates?

Sadly, most auto insurance buyers have purchased from the same company for four years or more, and about 40% of consumers have never compared auto insurance rates at all. Texas consumers could cut their rates by almost 70% a year, but they don't know the big savings they would realize if they bought a different policy.

How to find the cheapest insurance in La Porte

Most major insurance companies allow you to get insurance quotes directly from their websites. Obtaining pricing is fairly simple as you just enter your coverage preferences as detailed in the form. When the form is submitted, their system automatically retrieves your driving record and credit report and provides a quote.

This streamlines rate comparisons, and it's very important to do this in order to get cheaper prices.

To quickly compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend that you enter your coverages as shown on your current policy. Using the same limits helps guarantee you will be getting a fair comparison based on similar coverages.

The providers in the list below are ready to provide free quotes in Texas. To buy the best car insurance in Texas, we recommend you visit as many as you can to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in La Porte
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,786 $893 $149
Chevrolet Impala LT $1,200 $600 $100
Chevrolet Silverado LTZ Extended Cab 4WD $1,080 $540 $90
Dodge Ram Quad Cab Laramie 4WD $1,638 $819 $137
Ford Escape XLT 2WD $1,086 $543 $91
Ford F-150 XL Super Cab 2WD $1,204 $602 $100
Ford Focus SEL 4-Dr Sedan $1,510 $755 $126
Ford Fusion Sport 4-Dr Sedan $1,472 $736 $123
GMC Sierra SLT Crew Cab 4WD $1,546 $773 $129
Honda Accord EX-L 4-Dr Sedan $930 $465 $78
Honda CR-V EX-L 2WD $978 $489 $82
Honda Civic EX-L 2-Dr Coupe $1,646 $823 $137
Jeep Grand Cherokee Laredo 4WD $1,308 $654 $109
Nissan Altima 2.5 4-Dr Sedan $1,486 $743 $124
Toyota Camry LE $1,352 $676 $113
Toyota Corolla XRS $1,786 $893 $149
Toyota Prius $1,206 $603 $101
Toyota RAV4 Limited 4WD $1,158 $579 $97
Toyota Tacoma 4WD $1,004 $502 $84
Volkswagen Jetta S 2.5 Station Wagon $948 $474 $79
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific zip code location which can alter rates greatly.

Physical damage deductibles

When shopping for auto insurance, a common question is how low should you set your deductibles. The comparisons below approximate the cost difference between low and high physical damage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

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

Kia Optima insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $294 $496 $430 $26 $128 $1,399 $117
Optima EX $332 $584 $430 $26 $128 $1,525 $127
Optima SX $332 $584 $430 $26 $128 $1,525 $127
Get a Quote for Your Vehicle Go
Kia Optima insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $182 $312 $430 $26 $128 $1,078 $90
Optima EX $206 $368 $430 $26 $128 $1,158 $97
Optima SX $206 $368 $430 $26 $128 $1,158 $97
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, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease premiums significantly.

Based on the above data, using a $250 deductible could cost the average driver approximately $29 more each month or $348 for a full year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 26 months between claim filings, you would save money if you choose the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): - $95
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One important issue to know is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. It will be required that you have a higher level of savings in order to pay the higher deductible.

Accidents and violations increase rates

The illustration below illustrates how violations and at-fault fender-benders can drive up Honda Accord insurance costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

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

Determine discounts to get cheap La Porte auto insurance rates

Some providers do not list the complete list of policy discounts in an easy-to-find place, so the following is a list of a few of the more common and also the more inconspicuous discounts that you may qualify for.Save money with discounts

As is typical with insurance, most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, you won't be that lucky.

Large auto insurance companies and their possible discounts are detailed below.

When comparing rates, check with all the companies to apply every possible discount. Some discounts might not be offered on policies in La Porte. To locate providers with significant discounts in Texas, click here.

Auto insurance does more than just repair your car

Despite the fact that auto insurance is not cheap in La Porte, auto insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car outweigh the cost, especially with large liability claims. But the average American driver is overpaying more than $825 a year so compare rates at least once a year to ensure rates are competitive.

Insurance quotes from local La Porte insurance agents

Many people prefer to get professional advice from a licensed agent and that is not a bad decision One of the best bonuses of getting online price quotes is the fact that you can find better rates but still work with a licensed agent. And supporting local agencies is definitely important in La Porte.

Once you complete this simple form, your insurance coverage information is transmitted to local insurance agents in La Porte who will give you quotes for your insurance coverage. You won't need to search for an agent because prices are sent straight to your inbox. You can most likely find cheaper rates without a big time investment. If you wish to quote rates from one company in particular, just navigate to their website and submit a quote form there.

Exclusive and independent La Porte car insurance agents

If you are searching for a reputable agency, you must know there are a couple types of agencies and how they can quote your rates. Agents in La Porte can be classified as either exclusive agents or independent agents.

Independent Insurance Agencies

These agents do not sell for just one brand and that gives them the ability to insure through many different insurance companies and potentially find a lower price. If they find a lower price, they simply switch companies in-house which requires no work on your part.

When comparing insurance rates, it's recommended you compare prices from multiple independent agents in order to compare the most rates. They also have the ability to place coverage with smaller companies that many times have cheaper rates.

Exclusive Agents

Exclusive agencies are contracted to one company and examples are State Farm or Allstate. These agents are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents are very knowledgeable on the products they sell and that allows them to sell at a higher price point. Many people use the same exclusive agent mainly due to loyalty to the company rather than low price.

Finding the right auto insurance agent needs to be determined by more than just a cheap price quote. Ask your prospective agent these questions:

Car insurance claims by make and model

Do you own a high-claim vehicle? The following tables show the best and worst models for overall likelihood of having to file claims for each type of coverage.

Lowest and Highest Medical Payment Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Audi A4 Allroad Chevrolet Spark
Tesla Model S Mitsubishi Lancer
Chevrolet Silverado 2500 Nissan Sentra
Ford F-250 SuperCrew Mitsubishi Mirage
Chevrolet Corvette Hyundai Accent
Chevrolet Silverado 3500 Chevrolet Sonic

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Liability Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Cruze
Fiat 500 Hyndai Accent
Mercedes-Benz SL Class Mitsubishi Lancer
Volvo XC60 Kia Rio
Acura MDX Dodge Charger
Subaru Forester Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Volvo V60 Bentley Continental GTC
Chevy Spark Maserati Quattroporte
GMC Sierra 2500 Bentley Continental GT
Chevy Silverado 2500 Audi S7
Nissan Leaf Mercedes-Benz S Class
Ford F-350 Maserati Granturismo

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Collision Claims
Lowest Claims Highest Claims
Smart ForTwo Bently Continental GT
Chevrolet Colorado Maserati Ghibli
GMC Canyon BMW M6
Mini Cooper Maserati Granturismo
Ford Edge BMW 6 Series
Ford F-150 SuperCrew Bentley Continental Flying Spur

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years