How long has it been since you sat down and looked for more affordable car insurance rates in Temple, TX? I really doubt anyone looks forward to buying car insurance, particularly when they could find lower prices if they just compared rates.

Inconceivable but true, over 70% of consumers have stayed with the same insurance company for over three years, and virtually 40% of consumers have never quoted car insurance rates at all. The average driver in Temple could save approximately 70% every year by just comparing rate quotes, but they just assume it takes a lot of time to do a rate comparison. Lots of car insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurers to find the lowest rate on car insurance.

It's important to do rate comparisons before your policy renews because prices are variable and change quite frequently. Just because you had the lowest price on car insurance two years ago you can probably find a better rate now. You can search a lot of car insurance online, but we're going to give you a lot of great tips on how to put money back in your pocket.

If you're already insured or just want a better rate, you can follow these tips to shop for the lowest rates without reducing coverage. Finding the cheapest car insurance coverage in Temple is actually quite easy if you know where to start. You just need to understand the least time-consuming way to compare rate quotes online from multiple companies.

The companies shown below have been selected to offer comparison quotes in Temple, TX. If you want to find the best car insurance in Texas, it's highly recommended you visit several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Temple
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 2WD $1,492 $746 $124
Dodge Grand Caravan Hero $1,006 $503 $84
Dodge Ram Quad Cab Sport 4WD $1,196 $598 $100
Ford Edge SEL 2WD $986 $493 $82
Ford Escape XLT 4WD $1,146 $573 $96
Ford Explorer XLT 4WD $944 $472 $79
Ford F-150 XLT Super Cab 4WD $876 $438 $73
Ford Focus SE 2-Dr Coupe $1,686 $843 $141
Honda Accord LX 4-Dr Sedan $1,064 $532 $89
Honda CR-V EX-L 4WD $1,042 $521 $87
Honda Civic EX 4-Dr Sedan $1,040 $520 $87
Hyundai Elantra GLS 4-Dr Sedan $1,064 $532 $89
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $914 $457 $76
Nissan Altima 3.5 SR 2-Dr Coupe $1,538 $769 $128
Toyota Camry XLE $1,370 $685 $114
Toyota Corolla XLE $952 $476 $79
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in zip code location which can lower or raise prices considerably.

An analysis of deductible level

One of the most common car insurance questions is how low should you set your deductibles. The following insurance rates summarize the difference in cost when you choose different policy deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Sonata insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $328 $592 $430 $26 $128 $1,529 $127
Sonata GLS 4-Dr Sedan $328 $592 $430 $26 $128 $1,529 $127
Sonata GLS 4-Dr Sedan $328 $592 $430 $26 $128 $1,529 $127
Sonata SE 4-Dr Sedan $328 $698 $430 $26 $128 $1,635 $136
Sonata SE 4-Dr Sedan $328 $698 $430 $26 $128 $1,635 $136
Sonata Limited 4-Dr Sedan $370 $698 $430 $26 $128 $1,677 $140
Sonata Limited 4-Dr Sedan $370 $698 $430 $26 $128 $1,677 $140
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Hyundai Sonata insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $182 $312 $430 $26 $128 $1,078 $90
Sonata GLS 4-Dr Sedan $182 $312 $430 $26 $128 $1,078 $90
Sonata GLS 4-Dr Sedan $182 $312 $430 $26 $128 $1,078 $90
Sonata SE 4-Dr Sedan $182 $368 $430 $26 $128 $1,134 $95
Sonata SE 4-Dr Sedan $182 $368 $430 $26 $128 $1,134 $95
Sonata Limited 4-Dr Sedan $206 $368 $430 $26 $128 $1,158 $97
Sonata Limited 4-Dr Sedan $206 $368 $430 $26 $128 $1,158 $97
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in garaging location in Temple which can lower or raise price quotes significantly.

Based on the above data, using a $100 deductible costs about $40 more each month or $480 every year than quoting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 23 months between claim filings, you would save money if you choose a higher deductible. The table below shows how this determination is made.

Average monthly premium for $100 deductibles: $133
Average monthly premium for $1,000 deductibles (subtract): - $93
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One big caveat is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have to file a claim. You need to make sure you have some extra funds in order to pay more for the deductible.

Comparison of policy deductibles

The chart below highlights how deductible choice and can affect Honda Civic premium costs for different insured age categories. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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

You may qualify for discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even know about. Some of these discounts will be visible at the time of purchase, but less common discounts must be inquired about in order for you to get them.Discount car insurance

It's important to note that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren't that generous.

A list of car insurance companies and a partial list of their discounts are:

If you want low cost Temple auto insurance quotes, ask all companies you are considering how many discounts you can get. Discounts might not apply in every state. To view insurers that offer many of these discounts in Temple, click here.

You may need advice from an insurance agency

Many people just prefer to get professional advice from a licensed agent and that is a personal choice. Professional insurance agents are trained risk managers and will help you if you have claims. One of the great benefits of getting free rate quotes online is that drivers can save money and get the lowest rates and still buy from a local agent.

Insurance agents in TempleTo help locate an agent, after submitting this short form, the quote information is sent to agents in your area that can provide free Temple auto insurance quotes for your auto insurance coverage. There is no reason to contact an agency because quoted prices will be sent to your email. If you want to compare rates from a specific auto insurance provider, feel free to visit that company's website and complete a quote there.

Picking the best insurance company is decision based upon more than just a cheap quote. The answers to these questions are important, too.

If you are searching for a good Temple insurance agent, it's helpful to know the types of insurance agents that differ in how they can insure your vehicles. Auto insurance agencies can be classified as either exclusive or independent agents depending on their company appointments. Either one can sell affordable auto insurance policies, but it's worth learning how they differ since it may influence your agent selection.

Exclusive Insurance Agents

Agents of this type can only write with one company like American Family, State Farm, and Allstate. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. These agents are well schooled on their products and sales techniques and that enables them to sell even at higher rates.

Independent Auto Insurance Agencies

Independent agents do not work for one specific company and that allows them to write policies with a variety of different insurance companies and find you the best rates. If they find a cheaper price, the agent simply finds a different carrier and that require little work on your part.

When comparison shopping, we highly recommend that you get quotes from at least one independent agent to get the best comparison.

Learn how to lower your car insurance prices

Multiple criteria are part of the equation when premium rates are determined. Most are fairly basic such as your driving record, but others are not as apparent like your vehicle usage and annual miles driven.

Compare rates if you bundle your policies - The majority of insurers afford discounts to insureds who carry more than one policy in the form of a multi-policy discount. Discounts can be as much as ten percent or more Even if you're getting this discount it's still a good idea to compare rates to help ensure you have the lowest rates. You may still be able to find better rates even if you have your coverage with different companies

Add-on coverages that may not be needed - There are quite a few additional extra coverages that can waste your money if you aren't careful. Insurance for things like rental car coverage, high-cost glass coverage, and extra life insurance coverage may be costing you every month. These coverages may sound good when deciding what coverages you need, but your needs may have changed so think about removing them and cutting costs.

Mature drivers pay less - Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents, and are safer drivers.Drivers with little experience are statistically shown to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.

Traffic violations hurt - Good drivers receive lower rates as compared to careless drivers. Only having one moving violation can bump up the cost by twenty percent. Drivers who have received license-revoking tickets like reckless driving or DUI may face state-mandated requirements to submit a SR-22 form with their state's department of motor vehicles in order to drive a vehicle legally.

Never let your car insurance lapse - Driving any period of time without insurance is illegal and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.

Three reasons auto insurance is important

Despite the high cost, maintaining insurance may be mandatory for several reasons.

The benefits of buying enough insurance outweigh the cost, especially if you ever need it. On average, a vehicle owner in Temple overpays more than $865 each year so it's important to compare rates every year to ensure rates are competitive.

Quote more to save more

When trying to cut insurance costs, it's not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped full coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage for the lowest price.

We just showed you many ideas to reduce insurance prices online in Temple. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper Temple auto insurance quotes. You may even discover the best price on insurance is with a small mutual company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

More detailed insurance information can be found at these sites: