Do you want cheaper car insurance rates in Converse, TX? Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Say no more because there are many Converse drivers thinking the same thing.
A recent car insurance study discovered that about 70% of customers kept buying from the same company for over three years, and just short of a majority have never compared rates from other carriers. The average driver in Texas can save hundreds of dollars each year by just shopping around, but they don't believe how much savings they would realize if they changed companies. People have many auto insurance companies to buy insurance from, and although it's nice to be able to choose, it can be more difficult to find a good deal.
It is always a good idea to shop coverage around occasionally because prices are variable and change quite frequently. If you had the best price on car insurance two years ago you will most likely find a better rate today. You'll find a ton of advice on car insurance online, but by reading this article, you're going to learn a bunch of ideas how to stop overpaying for insurance in Converse.
Locating the best rates in Converse can be made easier if you know where to look. If you are insured now or just want a better rate, you can learn to find the best rates while maintaining coverages. Smart shoppers just need to use how to shop their coverage around online from multiple companies.
Cheapest companies for Converse car insurance
The following companies can provide price quotes in Texas. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LTZ||$1,588||$794||$132|
|Chevrolet Silverado LTZ Extended Cab 4WD||$1,058||$529||$88|
|Dodge Ram Quad Cab SLT 4WD||$968||$484||$81|
|Ford Escape XLT 2WD||$898||$449||$75|
|Ford F-150 STX Super Cab 4WD||$1,116||$558||$93|
|Ford Focus S 4-Dr Sedan||$966||$483||$81|
|Ford Fusion Hybrid 4-Dr Sedan||$1,266||$633||$106|
|Honda Accord LX-P 4-Dr Sedan||$1,138||$569||$95|
|Honda CR-V EX-L 4WD||$1,314||$657||$110|
|Honda Civic SI 2-Dr Coupe||$2,020||$1,010||$168|
|Jeep Grand Cherokee Laredo 2WD||$1,322||$661||$110|
|Jeep Wrangler Sport 4WD 2-Dr||$1,116||$558||$93|
|Kia Optima SX||$1,330||$665||$111|
|Nissan Altima 2.5 4-Dr Sedan||$1,010||$505||$84|
|Toyota Camry Hybrid||$1,150||$575||$96|
|Toyota Corolla S||$1,256||$628||$105|
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price information does not factor in specific location which can decrease or increase coverage rates greatly.
Responsible drivers pay cheaper Converse auto insurance rates
The information below demonstrates how citations and at-fault accidents impact Nissan Sentra yearly insurance costs for different age groups of insureds. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate comparison of male drivers versus female drivers
The diagram below illustrates the difference between insurance costs for male and female drivers in Converse. The data is based on no claims or driving citations, comprehensive and collision coverage, $100 deductibles, single marital status, and no other discounts are factored in on a Ford Escape XLS.
Ford Escape rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
One of the more difficult decisions when buying auto insurance is what deductibles to buy. The following tables help summarize the differences in price of buying low and high insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$328||$486||$382||$22||$114||$1,357||$113|
|Pilot EX 2WD||$370||$486||$382||$22||$114||$1,399||$117|
|Pilot EX 4WD||$370||$486||$382||$22||$114||$1,399||$117|
|Pilot EX-L 2WD||$370||$592||$382||$22||$114||$1,505||$125|
|Pilot EX-L 4WD||$370||$592||$382||$22||$114||$1,505||$125|
|Pilot Touring 2WD||$370||$592||$382||$22||$114||$1,505||$125|
|Pilot Touring 4WD||$370||$592||$382||$22||$114||$1,505||$125|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$182||$256||$382||$22||$114||$956||$80|
|Pilot EX 2WD||$206||$256||$382||$22||$114||$980||$82|
|Pilot EX 4WD||$206||$256||$382||$22||$114||$980||$82|
|Pilot EX-L 2WD||$206||$312||$382||$22||$114||$1,036||$86|
|Pilot EX-L 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Pilot Touring 2WD||$206||$312||$382||$22||$114||$1,036||$86|
|Pilot Touring 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Get a Quote for Your Vehicle Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific garaging location which can lower or raise insurance rates noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $37 more each month or $444 a year than selecting 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 go at a minimum 24 months between claim filings, you would more than likely save some money if you choose a higher deductible. Below is a better example of how you can do this calculation yourself.
|Average monthly premium for $100 deductibles:||$121|
|Average monthly premium for $1,000 deductibles (subtract):||- $84|
|Monthly savings from raising deductible:||$37|
|Difference between deductibles ($1,000 - $100):||$900|
|Divide difference by monthly savings:||$900 / $37|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||24 months|
One big caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have a physical damage claim. You need to make sure you have enough money in the bank in the event you have to pay the deductible.
Cheaper Converse insurance quotes with discounts
Some insurance providers don't always list all possible discounts in an easy-to-find place, so the next list breaks down a few of the more well known as well as some of the hidden credits that you can use to lower your rates.
- Driving Data Discount - Insureds that choose to allow data collection to look at driving manner by using a small device installed in their vehicle such as State Farm's In-Drive could possibly reduce rates if they exhibit good driving behavior.
- Theft Deterrent Discount - Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
- Professional Memberships - Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on insurance.
- Discounts for Government Workers - Federal government employees could qualify for a slight premium decrease but check with your company.
- Resident Student - College-age children living away from Converse attending college and do not take a car to college can be insured at a reduced rate.
- Mature Driver Discount - Older drivers are able to get better insurance rates.
- Military Deployment Discount - Having a deployed family member could qualify you for better prices.
We need to note that many deductions do not apply the the whole policy. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, companies wouldn't make money that way.
The best insurance companies and some of the discounts include:
- AAA discounts include AAA membership discount, multi-car, good driver, pay-in-full, good student, and multi-policy.
- Progressive policyholders can earn discounts including homeowner, continuous coverage, multi-vehicle, online signing, multi-policy, online quote discount, and good student.
- State Farm offers premium reductions for passive restraint, good student, driver's education, Drive Safe & Save, and safe vehicle.
- Esurance includes discounts for anti-lock brakes, online shopper, Pac-12 alumni, good driver, and paid-in-full.
- Nationwide has discounts for accident-free, easy pay, good student, defensive driving, multi-policy, Farm Bureau membership, and anti-theft.
If you want low cost Converse auto insurance quotes, ask each insurance company how many discounts you can get. Some credits may not apply to policyholders in every state. To find insurance companies with significant discounts in Converse, click here.
Tailor your auto insurance coverage to you
Keep in mind that when it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different and your auto insurance should be unique as well. Here are some questions about coverages that might help in determining if your situation might need an agent's assistance.
- Do I need special coverage while pulling a rented trailer?
- Is pleasure use cheaper than using my vehicle to commute?
- I have health insurance so do I need medical payments coverage?
- Is motorclub coverage worth it?
- Can I rent a car in Mexico?
- Is my vehicle covered by my employer's policy when using it for work?
- Who is covered when they drive my vehicle?
- Can I insure my car for more than it's worth?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Can good grades get a discount?
If you're not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.
Tricks in auto insurance advertising
Consumers constantly see and hear ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim about how much you will save if you get a free Converse auto insurance quote and switch your auto insurance policy to them.
It sounds good, but how can they all give you a lower rate on auto insurance? Here is how they do it.
Many companies quote the lowest rates for the type of driver that will generate a profit. For instance, a desirable risk may need to be between the ages of 40 and 55, has no claims, and drives a safe vehicle. Anyone that matches those criteria will get very good Converse rates and will also pay quite a bit less when switching companies.
Consumers who may not quite match the "perfect" profile will have to pay a more expensive rate which results in the prospect going elsewhere. The ads state "people who switch" but not "all drivers who get quotes" can get the lowest rates when switching. This is how insurance companies can lure you into getting a quote. This illustrates why it's extremely important to get price quotes at each policy renewal. Because you cannot predict the company that will have the lowest auto insurance in Converse.
Detailed coverages of your car insurance policy
Understanding the coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your vehicle.
Because many people only purchase the least amount of liability that is required (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a deer, a broken windshield, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
This will cover damage or injury you incur to other's property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 30/60/25 which stand for $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and property damage coverage for $25,000.
Liability coverage protects against things like loss of income, pain and suffering, bail bonds and medical services. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase higher limits if possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing higher limits.
This covers damage to your vehicle caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like damaging your car on a curb, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to get cheaper collision coverage.
Cheap auto insurance premiums are possible
Discount auto insurance in Converse is definitely available on the web in addition to many Converse insurance agents, so you need to quote Converse auto insurance with both to have the best chance of lowering rates. A few companies do not provide the ability to get quotes online and many times these smaller providers provide coverage only through local independent agents.
When getting Converse auto insurance quotes online, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
We've covered many ideas to compare auto insurance car insurance rates in Converse. The key thing to remember is the more providers you compare, the better likelihood of getting cheaper Converse auto insurance quotes. Drivers may even discover the lowest car insurance rates come from a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.
More information is located at the links below
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Rates for a Jeep Wrangler in Texas? (FAQ)
- Who Has Affordable Car Insurance Quotes for Hybrid Vehicles in Texas? (FAQ)
- Who Has the Cheapest Texas Auto Insurance for Drivers with Bad Credit? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Auto Insurance Basics (Insurance Information Institute)