Searching for low-cost insurance for a car in Texas can turn out to be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to find car insurance online so we're going to tell you the absolute fastest way to compare rates for your and get the lowest possible price from White Settlement insurance agents and online providers.

It's a great practice to do rate comparisons occasionally because car insurance prices change regularly. Even if you think you had the best deal on car insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you're about to learn the right way to find the best coverage while lowering your premiums.

White Settlement auto insurance discounts

Car insurance is not cheap, but companies offer discounts that you may not even know about. Certain credits will be shown at quote time, but a few must be inquired about before being credited.Auto insurance discounts

Don't be surprised that most discounts do not apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, nobody gets a free ride.

If you would like to choose from a list of auto insurance companies with discount auto insurance rates in Texas, click here.

The following companies are ready to provide price quotes in White Settlement, TX. In order to find the best cheap auto insurance in Texas, we suggest you click on several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in White Settlement
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 2WD $1,492 $746 $124
Dodge Grand Caravan SXT $1,552 $776 $129
Dodge Ram Quad Cab SLT 2WD $1,312 $656 $109
Ford Edge Sport AWD $1,440 $720 $120
Ford Escape XLS 2WD $1,144 $572 $95
Ford F-150 XL Crew Cab 2WD $1,074 $537 $90
Ford Focus SEL 4-Dr Sedan $1,186 $593 $99
Ford Fusion SEL 4-Dr Sedan $1,238 $619 $103
Honda Accord LX-P 4-Dr Sedan $886 $443 $74
Honda CR-V LX 4WD $1,230 $615 $103
Honda Civic EX-L 4-Dr Sedan $1,154 $577 $96
Jeep Grand Cherokee Laredo 4WD $1,012 $506 $84
Nissan Altima Hybrid 4-Dr Sedan $1,642 $821 $137
Toyota Camry SE $1,440 $720 $120
Toyota Corolla LE $1,440 $720 $120
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in specific zip code location which can modify coverage rates noticeably.

Irresponsible driving raises your rates

The information below highlights how traffic violations and at-fault collisions impact Ford Focus annual premium costs for each age group. The costs are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

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

Car insurance prices based on gender

The information below illustrates the comparison of insurance premiums for male and female drivers in White Settlement. The rates are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are factored in on a Chevrolet Tahoe LS.

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

Policy deductible comparison

The diagram below shows how choosing a deductible and can influence Ford Escape yearly insurance costs for different insured age categories. The data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.

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

Smart buyers know how to buy insurance cheaper

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that help determine your insurance rates. If you know what determines base rates, this helps enable you to make changes that can help you get better insurance rates.

Is you job costing you more? - Careers such as doctors, air traffic controllers, and emergency personnel tend to pay higher rates than average due to stressful work requirements and lengthy work days. Other jobs like scientists, students and retirees have lower than average premiums.

Pay more by driving carelessly - Good drivers get better rates as compared to those with violations. Even one chargeable violation may cause rates to rise substantially. Drivers with dangerous violations such as hit and run, DWI or reckless driving convictions may be required to complete a SR-22 with their state motor vehicle department in order to legally drive.

Pay more of a claim out-of-pocket - Physical damage insurance, also called 'full coverage', covers damage that occurs to your car. Examples of covered claims would be collision with another vehicle, collision with an animal, and having your car stolen. The deductibles you choose define how much you are required to spend out-of-pocket in the event of a claim. The more of the claim you choose to pay out-of-pocket, the less your insurance will be.

Performance influences insurance rates - The performance level of the car or truck you need insurance for makes a significant difference in your auto insurance rates. Lower cost passenger cars receive the most favorable rates, but other factors influence the final cost greatly.

Miles impacts prices - The more you drive in a year's time the more it will cost to insure it. A lot of insurance companies calculate prices based upon how you use the vehicle. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. It's a smart idea to ensure your insurance coverage shows the proper vehicle usage, because it can save money.

Prevent theft and save - Purchasing a vehicle with an alarm system can save you some money. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.

Guys pay higher prices - Over the last 30 years, statistics show that women are safer drivers than men. This data doesn't prove that females are better at driving than males. Both genders have fender benders at a similar rate, but men have costlier accidents. Men also statistically get higher numbers of serious violations like DUI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore have the most expensive insurance rates.

Vehicles with better crash test results cost less to insure - Cars with five star safety ratings get lower rates. Highly rated vehicles protect occupants better and better occupant protection means lower claim amounts and cheaper rates on your policy. If your car or truck scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Tailor your insurance coverage to you

When choosing a policy, there really is no one-size-fits-all type of policy. You are unique and a cookie cutter policy won't apply.Higher deductibles save money Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent's advice.

If you're not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Why you need insurance for your vehicle

Even though it can be expensive, insurance is required in Texas but it also protects you in many ways.

First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your vehicle, it's guaranteed your bank will force you to have insurance to guarantee payment of the loan. If you default on your policy, the bank or lender will purchase a policy for your vehicle for a lot more money and force you to reimburse them for the expensive policy.

Third, insurance protects not only your vehicle but also your assets. Insurance will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses if you cause an accident and are sued. If your vehicle gets damaged, collision and comprehensive coverages will pay to have it repaired.

The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. Unknowingly, the average driver is overpaying more than $830 a year so compare quotes from several companies each time the policy renews to be sure current rates are still competitive.

Auto insurance overall losses by make and model

Which vehicles statistically have the fewest claims? The tables below list the best and worst makes and models for the overall chance of having claims for each type of coverage listed.

Vehicles with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claims Highest Claims
Tesla Model S Chevrolet Spark
Audi A4 Allroad Nissan Versa
Chevrolet Corvette Chrysler 200
Chevrolet Silverado 3500 Kia Forte
Chevrolet Silverado 2500 Mitsubishi Mirage
Land Rover Range Rover Sport Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Collision Coverage Claims
Lowest Claims Highest Claims
Ford Edge Ferrari 458
Ford F-150 SuperCrew BMW M6
Nissan Xterra Bently Continental GT
Mini Cooper Bently Continental GTC
Ford F-250 SuperCab Maserati Granturismo
Chevrolet Colorado Bentley Continental Flying Spur

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Fiat 500 Kia Optima
Audi A6 Chevrolet Impala
Subaru Outback Chrysler 200
Subaru Forester Chevrolet Sonic
Acura MDX Mitsubishi Mirage
Chevrolet Corvette Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Chevy Spark Maserati Quattroporte
Volvo V60 BMW M6
Smart ForTwo Porsche Panamera GTS
Nissan Xterra BMW M6
Nissan Leaf Bentley Continental GT
Chevy Silverado 2500 Audi S7

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Frequent quotes can save

Low-cost car insurance in White Settlement is available online and with local White Settlement insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide price quotes online and many times these regional insurance providers prefer to sell through independent agents.

As you shop your coverage around, make sure you don't buy poor coverage just to save money. Too many times, someone dropped full coverage only to regret at claim time they didn't have enough coverage. The goal is to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Additional articles