Do you want to learn to get more competitive car insurance rates in Victoria, TX? Are you burned out from being strong-armed to insure your vehicles every month? You're in the same situation as millions of other vehicle owners.
Unthinkable but true, a large majority of drivers in Texas kept their policy with the same company for over three years, and just under half have never compared rates with other companies. With the average car insurance premium being $1,847, American drivers could cut their rates by almost 46.5% a year, but they assume it's a waste of time to compare rate quotes online. Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate possible on car insurance.
Affordable companies for Victoria auto insurance
The following companies have been selected to offer price quotes in Texas. If multiple companies are listed, it's highly recommended you click on several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LS||$1,480||$740||$123|
|Chevrolet Malibu LT||$1,352||$676||$113|
|Chevrolet Silverado LT Crew Cab 2WD||$1,548||$774||$129|
|Dodge Ram Quad Cab SLT 2WD||$1,216||$608||$101|
|Ford Escape Limited 2WD||$878||$439||$73|
|Ford F-150 XLT Crew Cab 4WD||$1,066||$533||$89|
|Ford Focus SE 2-Dr Coupe||$1,126||$563||$94|
|Ford Fusion SEL 4-Dr Sedan||$952||$476||$79|
|Honda Accord LX-P 4-Dr Sedan||$1,082||$541||$90|
|Honda CR-V LX 2WD||$1,118||$559||$93|
|Honda Civic LX 2-Dr Coupe||$1,356||$678||$113|
|Honda Odyssey EX-L W/Navigation||$1,396||$698||$116|
|Jeep Grand Cherokee SRT-8 4WD||$1,288||$644||$107|
|Kia Optima LX||$1,214||$607||$101|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,440||$720||$120|
|Toyota Camry Hybrid||$1,158||$579||$97|
|Toyota Corolla LE||$1,600||$800||$133|
|Toyota RAV4 Limited 4WD||$1,258||$629||$105|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific Victoria garaging location which can decrease or increase price quotes noticeably.
Annual premiums comparing men and women
The information below shows the difference between insurance costs for male and female drivers in Victoria. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in on a Toyota Corolla S.
Toyota Corolla rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
The illustration below shows how different deductible levels and can impact Honda Accord yearly insurance costs for different ages of insureds. The prices are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Score discounts on Victoria insurance
Some insurance providers don't always advertise every discount they offer in an easy-to-find place, so we break down some of the more common as well as some of the hidden savings tricks you should be using when you buy Victoria car insurance online.
- New Car Discount - Buying a new car model can get you a discount because new model year vehicles are generally safer.
- Discount for Passive Restraints - Factory air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
- Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
- Save over 55 - Mature drivers are able to get better insurance rates.
- No Accidents - Good drivers with no accidents get the best insurance rates in comparison to policyholders that have many claims.
You can save money using discounts, but most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, you won't be that lucky.
If you would like to see a list of insurance companies that offer many of these discounts in Texas, click here.
Tailor your car insurance coverage to you
Keep in mind that when it comes to choosing a policy, there really is not a one-size-fits-all type of policy. Your financial needs are unique.
Here are some questions about coverages that may help highlight if you might need an agent's assistance.
- Am I covered if I break a side mirror?
- What does medical payments cover?
- How do I file an SR-22 for a DUI in Texas?
- Who does medical payments coverage extend to?
- Am I covered when driving on a suspended license?
- Should I buy only the required Texas minimum liability coverage?
If you can't answer these questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It's fast, free and may give you better protection.
Is there deception in advertising?
Consumers in Texas can't get away from ads that promise big savings for switching by companies like State Farm and Allstate. They all seem to tend to make the same promise that drivers will save a bundle just by switching your policy.
That's great but how can every company give you a lower rate on car insurance? This is the way they can do it.
Companies give the best rates for the driver that earns them the most money. For instance, a profitable insured may be between the ages of 30 and 50, is a homeowner, and the vehicle is rated for pleasure use. Any customer that fits those parameters will get the preferred auto insurance rates in Victoria and will pay quite a bit less when switching companies.
Consumers who do not fit this ideal profile may be forced to pay more expensive rates and ends up with business going elsewhere. Company advertisements say "people who switch" not "everyone that quotes" save that kind of money. This is how companies can make it sound like they have such great premium rates. This emphasizes why you really need to get Victoria car insurance quotes as often as possible. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest car insurance in Victoria.
Don't give up on cheaper rates
Cheaper car insurance in Victoria is available on the web as well as from independent agents in Victoria, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide rate quotes online and many times these regional insurance providers only sell through independent agencies.
In this article, we presented quite a bit of information on how to shop for car insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from an unexpected company.
Insureds change insurance companies for many reasons like lack of trust in their agent, unfair underwriting practices, policy cancellation and not issuing a premium refund. It doesn't matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
Additional detailed information can be found by following these links:
- Coverage Information (Progressive Insurance)
- Who Has Cheap Auto Insurance Quotes for Retired Military in Texas? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Elantra in Texas? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Crash Avoidance Technologies FAQ (iihs.org)