How long has it been since you compared quotes for more affordable auto insurance rates in Copperas Cove, TX? Paying for pricey auto insurance in Copperas Cove can consume your family's budget and possibly require you to analyze your spending habits.

A recent NerdWallet.com study revealed that nearly 70% of drivers kept buying from the same company for over three years, and nearly the majority have never quoted auto insurance rates at all. The average driver in Copperas Cove could save 70% every year by just comparing rate quotes, but most just don't grasp the actual amount they would save if they switched to a more affordable policy.

You have multiple insurers to choose from, and although it's nice to have a choice, lots of choices makes it harder to compare rates.

Choosing the best rates in Copperas Cove is quite easy if you know the best way to do it. If you have auto insurance now, you should be able to get lower rates using the techniques presented in this article. But Texas consumers must know the way companies determine what you pay because it varies considerably.

Find more affordable auto insurance with these tips

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates, this enables you to make decisions that could result in cheaper rates. Many factors are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are more transparent like your continuous coverage or how safe your car is.

The items below are most of the major factors used by insurance companies to determine premiums.

When comparing auto insurance rates, know that comparing all the rates in your area helps improve the odds of finding the best rates. Not every company provides quotes over the internet, so you need to compare prices from those companies as well.

The companies in the list below offer price quotes in Copperas Cove, TX. To buy the best auto insurance in Texas, it's a good idea that you visit as many as you can in order to find the most affordable rates.

Insurance Estimates for Popular Vehicles in Copperas Cove
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $988 $494 $82
Chevrolet Equinox LT 2WD $1,046 $523 $87
Chevrolet Silverado Crew Cab Hybrid 2WD $1,316 $658 $110
Dodge Ram Quad Cab SLT 2WD $1,216 $608 $101
Ford Escape XLT 2WD $1,116 $558 $93
Ford F-150 XL Crew Cab 2WD $1,054 $527 $88
Ford Focus S 4-Dr Sedan $988 $494 $82
Ford Fusion SE 4-Dr Sedan $1,442 $721 $120
Honda Accord EX 2-Dr Coupe $1,296 $648 $108
Honda CR-V EX 4WD $1,290 $645 $108
Honda Civic LX-S 4-Dr Sedan $1,390 $695 $116
Jeep Wrangler Sport Islander Package 4WD 2-Dr $972 $486 $81
Mazda 3 I Touring 4-Dr Sedan $1,038 $519 $87
Nissan Altima Hybrid 4-Dr Sedan $1,472 $736 $123
Toyota Camry LE $1,308 $654 $109
Toyota Corolla XLE $1,100 $550 $92
Toyota Tacoma Double Cab 4WD $1,200 $600 $100
Volkswagen Jetta 2.0T 4-Dr Sedan $1,652 $826 $138
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can modify coverage rates greatly.

Auto insurance rates based on gender

The diagram below shows the comparison of auto insurance costs for male and female drivers in Copperas Cove. The rates are based on no claims, a clean driving record, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in on a Nissan Sentra SE-R.

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

Deductible analysis

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The comparisons below can help illustrate the rate differences when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $1,000 deductible.

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

Ford Fusion insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Fusion SE 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion Hybrid 4-Dr Sedan $332 $672 $476 $28 $142 $1,675 $140
Fusion SEL 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion Sport 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion SEL AWD 4-Dr Sedan $370 $672 $382 $22 $114 $1,585 $132
Fusion Sport AWD 4-Dr Sedan $370 $672 $382 $22 $114 $1,585 $132
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Ford Fusion insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
Fusion SE 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Fusion Hybrid 4-Dr Sedan $206 $424 $476 $28 $142 $1,276 $106
Fusion SEL 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Fusion Sport 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Fusion SEL AWD 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
Fusion Sport AWD 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
Get a Quote for Your Vehicle Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in your specific Copperas Cove location which can revise price quotes considerably.

We can estimate from the data above that using a $250 deductible would cost the average driver about $32 more each month or $384 each year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 23 months between claim filings, you would come out ahead going with the higher deductible.

Impact of violations and accidents on rates

The illustration below demonstrates how citations and at-fault collisions can influence Kia Optima insurance prices for different age categories. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

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

But the ad said I'd save 15% in 15 minutes!

Companies like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. All the ads tend to make the same promise that you can save just by moving your insurance policy to them. How do they all charge lower premium rates?

Insurance companies require specific criteria for the driver that will most likely be profitable. One example of a profitable insured may need to be over the age of 40, owns a home, and has great credit. A customer who matches that profile gets the lowest car insurance rates and will most likely cut their insurance rates if they switch.

Consumers who don't qualify for these criteria will be quoted higher premiums with the end result being business not being written. The trick is to say "customers who switch" not "all people who quote" save that much. That's the way companies can truthfully lure you into getting a quote. This really emphasizes why drivers must compare many company's premium rates. It's not possible to predict the company that will have the lowest insurance in Copperas Cove.

Auto insurance in Texas serves several purposes

Even though it can be expensive, buying auto insurance may not be optional for several reasons.

The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. The average driver in Texas is wasting up to $820 a year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.

You may qualify for discounts

The price of auto insurance can be rather high, but you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but some discounts are required to be manually applied before being credited.Save money with discounts

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, you're out of luck.

If you would like to see a list of insurance companies that offer some of these discounts in Copperas Cove, click here.

Are car insurance agents a thing of the past?

Many people prefer to buy from a local agent and that can be a great decision One of the benefits of comparing rate quotes online is that you can obtain lower rates and still have a local agent.

Copperas Cove insurance agentsBy using this form (opens in new window), your coverage information is transmitted to local insurance agents in Copperas Cove that can provide free Copperas Cove auto insurance quotes for your business. You won't need to drive around since rate quotes are delivered to you instantly. It's the lowest rates without having to waste a lot of time. If for some reason you want to quote rates from a specific company, don't hesitate to find their quoting web page and give them your coverage information.

Finding a good provider shouldn't rely on just a cheap quote. Here are some questions you might want to ask.

Two different types of car insurance agents

When narrowing the list to find a reliable insurance agency, there are a couple of different agency structures that you can choose from. Agents in Copperas Cove are categorized either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents that choose to be exclusive are contracted to one company and examples are State Farm, Allstate and AAA. Exclusive agents are unable to provide prices from multiple companies so you might not find the best rates. They are very knowledgeable on their company's products which can be an advantage.

Independent Agents (or Brokers)

These type of agents do not sell for just one brand so they can quote policies with an assortment of companies and get you the best rates possible. To move your coverage to a new company, they can switch companies in-house and the insured can keep the same agent. If you need cheaper insurance rates, you will definitely want to get insurance quotes from independent agents so that you have a good selection of quotes to compare.

Best and worst vehicle claim statistics

Which vehicles statistically have few claims? The statistics below list the best and worst models for the overall chance of having large claims orgainized by coverage.

Lowest and Highest Car Insurance Collision Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado BMW 6 Series
Smart ForTwo Bentley Continental Flying Spur
Ford F-150 SuperCrew Maserati Ghibli
Ford F-250 SuperCab BMW M6
GMC Canyon Nissan GT-R
Mini Cooper Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Nissan Sentra
Chevrolet Silverado 3500 Kia Forte
Land Rover Range Rover Sport Chevrolet Sonic
Tesla Model S Chrysler 200
Ford Expedition Hyundai Accent
Chevrolet Corvette Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Liability Insurance Claims
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Chevrolet Cruze
Chevrolet Corvette Chrysler 200
Audi A6 Kia Optima
Mercedes-Benz SL Class Dodge Charger
Subaru Forester Chevrolet Sonic
Fiat 500 Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Mercedes-Benz S Class
Chevy Silverado 2500 Porsche Panamera GTS
Volvo V60 Bentley Continental GTC
Chevy Spark Maserati Granturismo
Ford F-350 Audi S7
Infiniti QX50 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Find cheaper rates by being thorough

When shopping online for auto insurance, it's not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced collision coverage only to find out they didn't purchase enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Throughout this article, we presented quite a bit of information on how to reduce auto insurance rates online in Copperas Cove. It's most important to understand that the more times you quote, the better chance you'll have of finding the cheapest Copperas Cove auto insurance quotes. Drivers may even discover the biggest savings come from a small local company. Regional companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate or State Farm.

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