Being forced to pay for high-priced insurance premiums can deplete your bank account and maybe even restrict other spending. Shopping your coverage around is an excellent way to reduce premiums and put more money in your pocket.

Unimaginable but true, a large majority of consumers have been with the same company for more than four years, and about 40% of consumers have never shopped around. American drivers can save roughly $860 each year by just shopping around, but they just don't understand how easy it is to compare other rate quotes.

Online insurance companies like GEICO, 21st Century and Progressive all promote huge savings with catchy ads and consumers find it hard to ignore the propaganda and take the time to shop coverage around.

You need to get comparison quotes periodically because insurance prices are usually higher with each renewal. Just because you had the lowest price on insurance a couple years back you can probably find a better rate now. Block out anything you think you know about insurance because you're going to get a crash course in the quickest way to remove unneeded coverages and save money.

When looking for affordable Longview car insurance quotes, there are a couple ways to get quotes from different Longview insurance companies. The recommended way to find competitive insurance rates involves getting comparison quotes online.

Doing price comparisons online is so simple that it makes it a waste of time to waste gas driving to and from local Longview insurance agencies. Comparing insurance rate quotes online makes this unnecessary unless you have a complicated situation and need the professional guidance only provided by licensed Longview agents. If you prefer, some companies allow you to compare online quotes but buy from a local Longview insurance agent.

When quoting insurance, remember that more quotes helps locate the best offered rates. Not every company does online quotes, so you need to compare prices from those companies as well.

The following companies are our best choices to provide free rate quotes in Texas. To buy the best auto insurance in Texas, it's highly recommended you click on several of them in order to find the cheapest rates.

Insurance Rate Estimates for Popular Vehicles in Longview
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,096 $548 $91
Chevrolet Impala LS $1,042 $521 $87
Chevrolet Silverado Crew Cab Hybrid 4WD $1,490 $745 $124
Dodge Ram Crew Cab ST 2WD $1,432 $716 $119
Ford Escape XLT 4WD $870 $435 $73
Ford F-150 XL Super Cab 4WD $1,074 $537 $90
Ford Focus SES 2-Dr Coupe $1,482 $741 $124
Honda Accord LX 4-Dr Sedan $1,000 $500 $83
Honda CR-V EX 4WD $1,134 $567 $95
Honda Civic EX 2-Dr Coupe $1,806 $903 $151
Hyundai Sonata SE 4-Dr Sedan $1,262 $631 $105
Kia Optima LX $1,138 $569 $95
Nissan Altima 3.5 SR 4-Dr Sedan $1,254 $627 $105
Toyota Camry LE $1,324 $662 $110
Toyota Corolla LE $1,440 $720 $120
Toyota Tacoma 2WD $1,092 $546 $91
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in specific zip code location which can change coverage rates considerably.

Physical damage deductibles

One common question asked by Longview drivers is the level to set your comp and collision deductibles. The tables below may help to illustrate how much more you'll pay when you choose different policy deductibles. The first rate table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $256 $408 $382 $22 $114 $1,207 $101
Acadia SL AWD $294 $408 $382 $22 $114 $1,245 $104
Acadia SLE 2WD $294 $408 $382 $22 $114 $1,245 $104
Acadia SLE AWD $294 $496 $382 $22 $114 $1,333 $111
Acadia SLT 2WD $294 $496 $382 $22 $114 $1,333 $111
Acadia SLT AWD $332 $496 $382 $22 $114 $1,371 $114
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GMC Acadia insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $208 $328 $382 $22 $114 $1,054 $88
Acadia SL AWD $240 $328 $382 $22 $114 $1,086 $91
Acadia SLE 2WD $240 $328 $382 $22 $114 $1,086 $91
Acadia SLE AWD $240 $400 $382 $22 $114 $1,158 $97
Acadia SLT 2WD $240 $400 $382 $22 $114 $1,158 $97
Acadia SLT AWD $270 $400 $382 $22 $114 $1,188 $99
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle location which can modify premiums significantly.

Based on the data above, we can derive that using a $250 deductible costs roughly $14 more each month or $168 every year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 18 months between claims, you would save money by selecting a higher deductible.

Lower rate quotes with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts to cut the cost considerably. Some trigger automatically when you complete an application, but some discounts are required to be asked about before being credited. If you are not receiving all the discounts you deserve, you could be getting lower rates.Cheaper car insurance with discounts

As a footnote on discounts, most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think you can get free auto insurance, companies wouldn't make money that way.

Auto insurance companies that may offer policyholders many of the previously listed discounts include:

When comparing rates, check with every prospective company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in Longview. If you would like to choose from a list of providers that offer multiple discounts in Texas, click here to view.

Insurance agencies can help

A lot of people would prefer to have an agent's advice and that can be a great decision A good thing about getting online price quotes is you may find cheaper car insurance rates and still have an agent to talk to. Buying insurance from neighborhood insurance agencies is definitely important in Longview.

Insurance agents in LongviewAfter completing this simple form, your insurance data is transmitted to companies in Longview who will gladly provide quotes and help you find cheaper coverage. You won't need to leave your computer because prices are sent to you. It's the lowest rates AND a local agent. If you have a need to get a comparison quote from a specific company, don't hesitate to jump over to their website and complete a quote there.

What types of car insurance agents are in Longview?

If you want to use a local Longview insurance agent, there are a couple of types of insurance agents and how they can quote your rates. Auto insurance policy providers are considered either independent or exclusive.

Independent Auto Insurance Agencies

Agents in the independent channel can sell policies from many different companies and that allows them to write policies with an assortment of companies and find you cheaper rates. If they find a cheaper price, they can switch companies in-house and you don't have to find a new agent.

If you need lower rates, you definitely need to include rate quotes from independent agents for maximum quote selection.

Exclusive Auto Insurance Agents

These agents can only quote rates from one company like State Farm, Allstate, and Farm Bureau. They are unable to shop your coverage around so they have to upsell other benefits. These agents are highly trained on the products they sell and that allows them to sell at a higher price point.

Picking an auto insurance agent shouldn't rely on just the quoted price. These are some questions your agent should answer.

How your Longview prices are determined

When buying auto insurance it's important to understand the rating factors that help determine the rates you pay for auto insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that can help you get cheaper rates.

The itemized list below are a few of the "ingredients" used by insurance companies to determine your prices.

Improve your credit rating - A driver's credit score is a big factor in determining what you pay for auto insurance. Therefore, if your credit can be improved, you may save money insuring your vehicle by taking the time to improve your credit score. Insureds that have high credit ratings tend to be more responsible and file fewer claims as compared to drivers with poor credit.

City dwellers may pay more - Residing in small towns and rural areas is a positive aspect when insuring your vehicles. City drivers have congested traffic and more severe claims. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.

Save by driving cars with good safety ratings - Safe vehicles cost less to insure. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders.

Insurance is expensive for younger drivers - More experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and are generally more financially stable.Teen drivers are statistically shown to be easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.

Your gender affects prices - Statistics demonstrate that females take fewer risks when driving. This data doesn't prove that males are worse at driving than females. They both get in accidents in similar numbers, but guys have costlier accidents. They also get higher numbers of serious violations like DUI and reckless driving. Male teenagers have the highest risk to insure and therefore are the most expensive to insure.

Car insurance does more than just repair your car

Despite the high insurance cost in Longview, insurance is required in Texas but it also protects you in many ways.

The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays as much as $850 per year so it's recommended you shop around once a year at a minimum to be sure current rates are still competitive.

Vehicle claim statistics

Do you own a high-claim vehicle? The following claim statistics list the highest and lowest makes and models for the probability of having to file claims.

Medical Payment Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Kia Forte
Chevrolet Silverado 2500 Nissan Sentra
Ford F-350 SuperCrew Nissan Versa
Land Rover Range Rover Sport Chevrolet Spark
Ford F-250 SuperCrew Dodge Charger
Ford Expedition Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Car Insurance Collision Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Ford Edge Nissan GT-R
Smart ForTwo BMW 6 Series
Chevrolet Colorado Bently Continental GT
Nissan Xterra Bently Continental GTC
GMC Canyon BMW M6
Mini Cooper Ferrari 458

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 Mercedes-Benz S Class
Nissan Xterra Maserati Quattroporte
Smart ForTwo Bentley Continental GT
Ford F-350 BMW M6
GMC Sierra 2500 Audi S7
Volvo V60 Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Fiat 500 Chevrolet Sonic
Audi A6 Chevrolet Cruze
Mercedes-Benz SL Class Hyndai Accent
Subaru Forester Kia Rio
Acura MDX Kia Optima
Volvo XC60 Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Keep this in mind when shopping around

Budget-friendly auto insurance in Longview is definitely available on the web and from local agencies, so you need to shop Longview car insurance with both in order to have the best price selection to choose from. Some auto insurance companies may not have the ability to get quotes online and many times these small insurance companies only sell coverage through local independent agencies.

In this article, we presented some good ideas how to reduce auto insurance prices online in Longview. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheap Longview car insurance quotes. You may even find the biggest savings come from a small mutual company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

Additional auto insurance information can be read at these links: