Trying to find the cheapest insurance for a car in Texas can be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to price shop coverage for a new or used and obtain the lowest possible price from both online companies and Round Rock agents.

Consumers should take time to get comparison quotes as often as possible due to the fact that insurance prices trend upward over time. Even if you got the lowest quotes on car insurance a few years ago you may be paying too much now. Forget all the misinformation about car insurance because you're going to learn one of the easiest ways to save money, get proper coverage and the best rates.

If you are insured now or just want to save money, take advantage of these tips to cut your premiums and still have adequate protection. Finding and buying the cheapest protection in Round Rock is easy if you know what you're doing. You just have to learn the proper way to shop their coverage around instantly.

Discounts to earn lower Round Rock car insurance rates

Car insurance companies do not advertise every possible discount very clearly, so the list below contains some of the more common as well as the least known discounts that you may qualify for.Discount car insurance

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think you can get free auto insurance, that's just not realistic. But all discounts will reduce your car insurance premiums.

Large car insurance companies and some of the premium reductions they offer can be found below.

When getting free Round Rock auto insurance quotes, it's a good idea to all the companies which discounts you qualify for. Some discounts listed above may not be offered in your area. To see a list of providers that offer some of these discounts in Round Rock, click this link.

The providers in the list below provide comparison quotes in Texas. If your goal is to find cheap car insurance in Texas, it's a good idea that you visit as many as you can to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Round Rock
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $1,604 $802 $134
Dodge Ram Quad Cab ST 2WD $1,268 $634 $106
Ford Escape XLS 4WD $1,096 $548 $91
Ford F-150 XL Regular Cab 4WD $1,074 $537 $90
Ford Focus SE 2-Dr Coupe $1,524 $762 $127
Ford Fusion Hybrid 4-Dr Sedan $1,626 $813 $136
GMC Sierra SLE Crew Cab 2WD $1,434 $717 $120
Honda Accord LX-P 4-Dr Sedan $854 $427 $71
Honda CR-V EX-L 2WD $1,006 $503 $84
Honda Civic EX-L 2-Dr Coupe $1,498 $749 $125
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,376 $688 $115
Kia Optima SX $1,728 $864 $144
Mazda 3 I Sport 4-Dr Sedan $1,300 $650 $108
Nissan Altima 2.5 S 2-Dr Coupe $1,150 $575 $96
Toyota Camry XLE $1,440 $720 $120
Toyota Corolla XRS $1,434 $717 $120
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,066 $533 $89
Get Your Own Custom Quote Go

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in vehicle garaging location which can increase or decrease insurance rates significantly.

Rate comparison for different deductibles

The information below shows how choosing a deductible and can affect Chevrolet Malibu annual premium costs for different ages of insureds. The prices are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Components of your car insurance costs

Many different elements are taken into consideration when you get a price on insurance. A few of the factors are predictable such as traffic violations, although some other factors are less obvious like your continuous coverage or your vehicle rating. One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help determine the rates you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower car insurance prices.

Do you qualify for a multi-policy discount? - Most larger insurers will award discounts to people who carry more than one policy. It's known as a multi-policy discount. If you currently are using one company, it's still a good idea to get quotes from other companies to verify if the discount is saving money.

Avoid tickets and save - Drivers with clean records have lower premiums compared to bad drivers. Even a single speeding ticket or other violation can boost insurance rates twenty percent or more. People who have severe tickets such as DUI or willful reckless driving may need to file a SR-22 with their state in order to prevent a license revocation.

Don't buy extra coverages that may not be needed - Policies have optional add-on coverages that sound like a good idea at the time but may not be useful. Coverage for things like replacement cost coverage, better glass coverage, and term life insurance may be wasting your money. They may sound like good ideas at first, but your money might be better spent on other coverage so remove them from your policy.

Rate your vehicle for proper use - The more miles you rack up on your car annually the higher your rate. The majority of insurers calculate rates partially by how you use the vehicle. Cars and trucks that sit idle most of the time receive lower rates than cars that get driven a lot. It's a good idea to make sure your declarations sheet correctly shows the proper vehicle usage, because improper ratings can cost you money.

Performance makes a difference - The performance level of the vehicle you are buying insurance for makes a huge difference in how high your rates are. The most favorable rates are usually for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.

Married drivers get better prices - Walking down the aisle can actually save you money on your policy. Having a spouse demonstrates that you tend to be more financially stable and statistics show married couples file fewer claims.

Prevent theft and save - Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your car insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.

Different people need different car insurance coverages

Always remember that when buying proper insurance coverage, there really isn't a "perfect" insurance plan. Your situation is unique.Car insurance savings

For instance, these questions can aid in determining whether you would benefit from professional advice.

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It's fast, free and you can get the answers you need.

Compare prices but work with a local Round Rock insurance agency

Some consumers just want to get professional advice from a licensed agent and that is not a bad decision Most agents are trained risk managers and help in the event of a claim. One of the benefits of comparing insurance prices online is you can get better rates and still choose a local agent. Buying from local agents is important especially in Round Rock.

Once you complete this simple form, your information is submitted to agents in your area who will give you quotes for your insurance coverage. It's much easier because you don't need to drive around because prices are sent immediately to you. If you wish to get a comparison quote for a specific company, you can always jump over to their website and submit a quote form there.

Types of auto insurance agents in Round Rock

If you need to find an insurance agent, there are two types of insurance agents that you can select. Insurance agencies can be classified as either exclusive or independent agents depending on their company appointments. Both insure your vehicles properly, but it's good to learn the differences since it may influence buying decisions.

Independent Agents (or Brokers)

These agents are normally appointed by many insurers and that is an advantage because they can write policies with any number of different companies depending on which coverage is best. If they quote lower rates, they simply move your policy to a different company which is easy for the insured.

If you are comparing insurance prices, you need to include rate quotes from multiple independent agents to have the most options to choose from. Most can insure with small regional insurance companies that many times have cheaper rates.

Exclusive Insurance Agencies

Exclusive agencies have only one company to place business with and examples are State Farm or Allstate. They are unable to place coverage with different providers so they have no alternatives for high prices. They are usually well trained on sales techniques which helps them compete with independent agents. Some consumers prefer to purchase coverage from exclusives mainly due to loyalty to the company and the convenience of having all coverages with one company.

Choosing a auto insurance agent is decision based upon more than just a cheap price quote. Any good agent in Round Rock should know the answers to these questions.

Here's why auto insurance is not optional

Despite the high cost of buying insurance in Round Rock, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of having auto insurance definitely exceed the cost, especially for larger claims. But the average driver in Texas is currently overpaying as much as $865 each year so smart consumers compare quotes at least once a year to save money.

Car insurance claim statistics

Are you driving a high-claim vehicle? The tables below outline the good and bad vehicle models for the probability of having claims organized by coverage.

Auto Insurance Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Jeep Wrangler Audi RS7
GMC Canyon Maserati Ghibli
Ford Edge BMW 6 Series
Ford F-250 SuperCab Bentley Continental Flying Spur
Nissan Xterra Bently Continental GT
Ford F-150 SuperCrew Nissan GT-R

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

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Smart ForTwo Bentley Continental GT
GMC Sierra 2500 BMW M6
Nissan Leaf Maserati Quattroporte
Chevy Silverado 2500 Porsche Panamera GTS
Ford F-350 Bentley Continental GTC
Chevy Spark Maserati Granturismo

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

Bodily Injury Liability Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Corvette Kia Rio
Volvo XC60 Chevrolet Impala
Audi A6 Mitsubishi Mirage
Mercedes-Benz SL Class Mitsubishi Lancer
Fiat 500 Chevrolet Sonic
Subaru Outback Dodge Charger

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

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Chevrolet Sonic
Ford F-350 SuperCrew Dodge Charger
Ford F-250 SuperCrew Mitsubishi Lancer
Tesla Model S Chrysler 200
Chevrolet Silverado 3500 Mitsubishi Mirage
Audi A4 Allroad Nissan Versa

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

Shop smart and save

Cost effective insurance is definitely available on the web as well as from independent agents in Round Rock, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer rate quotes online and usually these small insurance companies sell through local independent agencies.

We just presented a lot of tips how to get a better price on insurance in Round Rock. It's most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest Round Rock auto insurance quotes. Consumers could even find that the lowest premium rates come from the smaller companies.

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, denial of a claim, policy cancellation and even high prices. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

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