Pricey car insurance in Cibolo can empty your budget and force you to make sacrifices. Comparing price quotes is a great way to tighten up your finances.

Remarkably, a study showed that nearly 70% of customers have purchased from the same company for a minimum of four years, and nearly half have never compared rates to find cheap insurance. Texas drivers could save up to 70% a year, but they just assume it's a time-consuming process to compare rate quotes.

Big companies like GEICO, 21st Century and Progressive increase brand awareness with advertising and it can be hard to see through the deception and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you should be able to get lower rates using the ideas you're about to read. Finding the cheapest coverage in Cibolo is not that difficult as long as you know where to start. But Texas car owners benefit from understanding the way companies market on the web because rates fluctuate considerably.

The best way to compare car insurance rates takes advantage of the fact auto insurance companies participate in a system to provide you with free rate quotes. To get started, all you need to do is take a few minutes to give details like if a SR-22 is needed, an estimate of your credit level, which vehicles you own, and how much coverage you want. The rating information is automatically sent to multiple companies and you will get price comparisons within a short period of time.

If you wish to get multiple quotes for your car now, click here and see if a lower rate is available in Cibolo.

The providers in the list below are ready to provide quotes in Texas. To get cheap car insurance in Texas, we suggest you visit as many as you can to get the best price comparison.

Insurance Rates for Popular Vehicles in Cibolo
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,284 $642 $107
Chevrolet Impala LTZ $1,200 $600 $100
Chevrolet Silverado LT Regular Cab 2WD $1,400 $700 $117
Dodge Grand Caravan SXT $1,182 $591 $99
Dodge Ram Crew Cab Laramie 4WD $2,028 $1,014 $169
Ford Escape Limited 4WD $1,264 $632 $105
Ford Explorer XLT 2WD $1,052 $526 $88
Ford F-150 XLT Regular Cab 4WD $1,198 $599 $100
Ford Focus SES 2-Dr Coupe $1,444 $722 $120
Ford Fusion Hybrid 4-Dr Sedan $1,274 $637 $106
Honda Accord LX 4-Dr Sedan $1,082 $541 $90
Honda CR-V EX-L 2WD $1,002 $501 $84
Honda Civic EX-L 4-Dr Sedan $1,632 $816 $136
Honda Odyssey EX $1,262 $631 $105
Kia Optima SX $1,354 $677 $113
Nissan Altima 2.5 S 2-Dr Coupe $1,126 $563 $94
Nissan Rogue S AWD $1,400 $700 $117
Toyota Camry XLE $1,616 $808 $135
Toyota Corolla XLE $1,440 $720 $120
Toyota Prius $1,142 $571 $95
Get Your Own Custom Quote Go

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in vehicle location which can influence premiums substantially.

Rate increases following a ticket or accident

The diagram below illustrates how violations and fender-benders raise Honda Civic insurance prices for different categories of driver ages. The costs are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

When do I need an agent's advice?

When it comes to choosing a policy, there really is not a one-size-fits-all type of policy. Your financial needs are unique so your insurance should reflect thatSafe vehicles cost less to insure These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

If you don't know the answers to these questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Neighborhood insurance agents

A small number of people would rather go talk to an agent and doing that can be a smart decision The biggest benefit of price shopping on the web is the fact that drivers can get cheap car insurance rates and still have an agent to talk to. Supporting local agencies is especially important in Cibolo.

After completing this simple form, your insurance coverage information is transmitted to insurance agents in Cibolo who can give free rate quotes for your car insurance coverage. There is no reason to find an agent on your own due to the fact that quote results will go to your email. Get lower rates and an insurance agent to talk to. In the event you want to get a rate quote from a particular provider, just search and find their rate quote page and complete a quote there.

Pick the best auto insurance agent in Cibolo for you

When researching a local Cibolo insurance agent, there are two different types of agents and how they operate. Agents in Cibolo are categorized either independent agents or exclusive agents.

Independent Car Insurance Agents

Independent agencies often have many company appointments and that enables them to quote your coverage amongst many companies and find the cheapest car insurance rates. If they find a cheaper price, your agent can switch companies which requires no work on your part. When searching for an agent, you will want to contact a few independent agents so that you can do a thorough price comparison.

Exclusive Car Insurance Agents

Agents that choose to be exclusive work for only one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare other company's rates so always compare other rates. Exclusive agents are usually well trained on their products and sales techniques which helps them sell on service rather than price.

Finding the right auto insurance agent should include more criteria than just the price. Some important questions to ask are:

Once you have answers to your satisfaction to these questions as well as offering an affordable quote, chances are good that you have found an insurance agency that can be relied on to insure your vehicles. Just remember you have the power to cancel coverage whenever you wish so never assume you are locked into a specific company for a certain time period.

Insurance claim statistics

What vehicles have the most claims? The statistics tables below show the worst and best vehicle makes and models for the probability of having to file claims for each type of coverage listed.

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Porsche Panamera GTS
GMC Sierra 2500 Maserati Granturismo
Nissan Xterra Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GTC
Infiniti QX50 Maserati Quattroporte
Ford F-350 BMW M6

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

Lowest and Highest Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Hyundai Accent
Land Rover Range Rover Sport Chevrolet Sonic
Chevrolet Corvette Mitsubishi Lancer
Ford Expedition Kia Forte
Tesla Model S Mitsubishi Mirage

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

Manufacturer Models with the Lowest and Highest Auto Insurance Liability Claims
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Mitsubishi Mirage
Subaru Outback Chrysler 200
Fiat 500 Hyndai Accent
Audi A6 Chevrolet Cruze
Volvo XC60 Kia Optima
Acura MDX Chevrolet Impala

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

Collision Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Mini Cooper Bently Continental GT
GMC Canyon Bently Continental GTC
Smart ForTwo BMW 6 Series
Ford F-150 SuperCrew Bentley Continental Flying Spur
Ford Edge Nissan GT-R
Nissan Xterra Maserati Ghibli

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