No sane person likes having to buy car insurance, especially when they know the prices are way too high.

Inconceivable but true, most car insurance buyers have bought car insurance from the same company for over three years, and almost half have never even shopped around for affordable coverage. Drivers in Texas can cut their rates by about $1,770 a year, but they just don't want to save money by comparing rate quotes. Many insurers vie for your business, and it can be difficult to compare rates and uncover the absolute best price available on car insurance.

If you're already insured or just want cheaper rates, follow these tips to cut your premiums without sacrificing coverage. Buying the cheapest auto insurance in San Angelo is really quite easy. You just need to understand the best way to compare rate quotes using one simple form.

Choices you make can reduce your prices

A large part of saving on insurance is knowing the factors that come into play when calculating your policy premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that can help you get better insurance rates. Lots of things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are less obvious like your continuous coverage or your commute time.

Finding cheaper San Angelo insurance rates isn't really that difficult. Consumers just need to spend a few minutes comparing rate quotes provided by online insurance companies.

It's so fast and easy to compare rates online that it makes it obsolete to drive around to insurance agents' offices. Quoting insurance online has reduced the need for local agents unless you require the trained guidance that can only be provided by a licensed insurance agent. Although, it is possible get the lowest quotes online and get advice from an agent in your area.

The car insurance companies shown below are ready to provide free quotes in Texas. If you want to find cheap car insurance in Texas, we suggest you get prices from several of them to find the cheapest car insurance rates.

Insurance Rate Estimates for Popular Vehicles in San Angelo
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,164 $582 $97
Dodge Grand Caravan Hero $1,324 $662 $110
Dodge Ram Crew Cab SLT 4WD $1,310 $655 $109
Ford Edge SE 2WD $1,044 $522 $87
Ford Escape Limited 4WD $1,080 $540 $90
Ford F-150 Lariat Super Cab 4WD $1,226 $613 $102
Ford Focus SE 4-Dr Sedan $1,098 $549 $92
GMC Sierra SL Extended Cab 2WD $988 $494 $82
Honda Accord LX-P 4-Dr Sedan $1,138 $569 $95
Honda CR-V EX 4WD $974 $487 $81
Honda Civic EX-L 4-Dr Sedan $1,292 $646 $108
Honda Odyssey EX-L $1,060 $530 $88
Nissan Altima 3.5 SR 4-Dr Sedan $1,578 $789 $132
Toyota Camry Hybrid $1,322 $661 $110
Toyota Corolla XLE $1,544 $772 $129
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease auto insurance rates noticeably.

Physical damage deductibles

The information below shows how different deductible levels and can affect Ford Fusion yearly insurance costs for each age group. The prices are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

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

Physical damage deductibles: Should you raise them?

One common question asked by San Angelo drivers is which deductibles should you choose. The data tables below illustrate the costs and benefits when you choose different physical damage coverage deductibles. The first table uses a $100 physical damage deductible and the second data table uses a $500 deductible.

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

Chevrolet Malibu insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $328 $592 $382 $22 $114 $1,463 $122
Malibu Hybrid $328 $592 $382 $22 $114 $1,463 $122
Malibu LT $370 $592 $382 $22 $114 $1,505 $125
Malibu LTZ $370 $698 $382 $22 $114 $1,611 $134
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Chevrolet Malibu insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $240 $400 $382 $22 $114 $1,158 $97
Malibu Hybrid $240 $400 $382 $22 $114 $1,158 $97
Malibu LT $270 $400 $382 $22 $114 $1,188 $99
Malibu LTZ $270 $472 $382 $22 $114 $1,260 $105
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in San Angelo location which can revise price quotes significantly.

We can derive from the above data that using a $100 deductible costs roughly $26 more each month or $312 every year than quoting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 15 months between claim filings, you would more than likely save some money by going with a higher deductible. Below is how we made this calculation.

Average monthly premium for $100 deductibles: $126
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important caveat is that increasing deductibles to lower your rates results in more money out-of-pocket when you do file a claim. You need to have enough savings in the event you have to pay the deductible.

Car insurance is not optional in Texas

Despite the high cost, insuring your vehicle may be required and benefits you in several ways.

The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. The average driver in America overpays more than $865 each year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.

Discount San Angelo insurance quotes

Insurance is easily one of your largest bills, but companies offer discounts to cut the cost considerably. Some discounts will apply at the time you complete a quote, but less common discounts must be specially asked for before they will apply.Discount insurance

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, it doesn't quite work that way.

To choose providers who offer discounts in Texas, click this link.

Tailor your insurance coverage to you

When it comes to the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Your situation is unique so your insurance needs to address that.Higher deductibles save money These are some specific questions might help in determining whether or not you would benefit from an agent's advice.

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

More quotes mean more insurance savings

While you're price shopping online, it's not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped liability limits or collision coverage only to regret that it was a big mistake. Your strategy should be to purchase plenty of coverage at a price you can afford.

We just presented many ideas to get a better price on insurance in San Angelo. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the most savings is with a lesser-known regional company. Smaller companies often have lower rates on specific markets than their larger competitors like Progressive or GEICO.

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