Insurance rates Toyota Corolla in HoustonWant to learn how to find low-cost Toyota Corolla insurance in Houston? Locating the lowest cost Houston Toyota Corolla insurance quotes can seem to be overwhelming for people that are relatively new to buying insurance online. With dozens of insurance companies available, how can people effectively compare every one to find better insurance prices?

A recent insurance study revealed that a large majority of consumers have stayed with the same insurance company for over three years, and just under half have never quoted rates to find lower-cost coverage. With the average premium in the U.S. being $1,847, drivers could cut their rates by up to $860 a year just by shopping around, but they don't know the amount of savings they would get if they switched to a cheaper policy.

It's important to shop coverage around periodically because insurance prices change frequently. If you had the lowest price on Toyota Corolla insurance in Houston six months ago a different company probably has better rates today. You can find a lot of information about Corolla insurance online, but by reading this article, you're going to learn some guaranteed methods to reduce your insurance bill.

The fastest way that we advise to get rate comparisons for Toyota Corolla insurance in Houston is to take advantage of the fact most larger insurance companies participate in a system to provide you with a free rate quote. To begin a comparison, all you need to do is give them rating details such as if you lease or own, the make and model of your vehicles, the ages of drivers, and if it has an anti-theft system. Your information is then submitted to multiple companies and you should receive rate quotes almost instantly.

To compare rates for your car now, click here then complete the form.

The companies shown below provide price quotes in Houston, TX. If you want to find the cheapest car insurance in Texas, we recommend you get prices from several of them in order to find the most affordable rates.

Toyota Corolla Insurance Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $206 $486 $430 $26 $128 $1,276 $106
Corolla S $272 $472 $500 $30 $150 $1,424 $119
Corolla XLE $174 $416 $496 $30 $148 $1,264 $105
Corolla XRS $326 $672 $462 $28 $138 $1,626 $136
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in specific location information which can modify premiums substantially.

Physical damage deductible comparison

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The rates below may help to conceptualize the rate difference when you choose different deductibles. The first table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Toyota Corolla insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $294 $584 $382 $22 $114 $1,421 $118
Corolla S $294 $584 $382 $22 $114 $1,421 $118
Corolla XLE $294 $584 $382 $22 $114 $1,421 $118
Corolla XRS $332 $584 $382 $22 $114 $1,459 $122
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Toyota Corolla insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $240 $472 $382 $22 $114 $1,230 $103
Corolla S $240 $472 $382 $22 $114 $1,230 $103
Corolla XLE $240 $472 $382 $22 $114 $1,230 $103
Corolla XRS $270 $472 $382 $22 $114 $1,260 $105
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location which can lower or raise price quotes greatly.

Based on the figures above, using a $250 deductible costs approximately $15 more each month or $180 a year than choosing the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 17 months between claims, you would more than likely save some money by selecting a higher deductible. Here's a better example of how this determination is made.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that increasing deductibles to lower your rates results in a higher out-of-pocket expense at claim time. That will necessitate access to more funds in order to pay the deductible for vehicle repair.

How accidents and tickets impact rates

The information below shows how violations and at-fault claims can affect Toyota Corolla insurance premiums for each age group. The data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Why you need insurance for your vehicle

Despite the high cost of buying insurance for a Toyota Corolla in Houston, maintaining insurance is required in Texas but also provides important benefits.

The benefits of having car insurance are without a doubt worth the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying more than $750 every year so you should quote and compare rates once a year at a minimum to ensure rates are inline.

Get More Affordable Insurance Premiums by Understanding These Factors

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that play a part in calculating your premiums. If you have some idea of what influences your rates, this helps enable you to make changes that could result in better insurance rates. Multiple criteria are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although others are more obscure such as your marital status or your commute time.

Cut your auto insurance rates with discounts

Car insurance companies don't necessarily list all possible discounts very well, so here is a list a few of the more well known and also the lesser-known savings tricks you should be using when you buy Houston auto insurance online.Auto insurance discounts

Policy discounts save money, but most discounts do not apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy. Any amount of discount will help reduce the cost of coverage.

To locate providers with the best discounts in Houston, click here.

How to know if you need help

When it comes to choosing a policy for your vehicles, there really is not a one size fits all plan. Your needs are unique to you so this has to be addressed.Drive safe and save For example, these questions might help in determining whether your personal situation might need an agent's assistance.

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Do I need an agent?

Certain consumers would prefer to talk to a local agent and that is a smart decision One of the great benefits of comparing insurance prices online is the fact that you can find lower auto insurance rates and still choose a local agent. And supporting local agencies is important especially in Houston.

Insurance agents in HoustonTo find an agent, once you fill out this form (opens in new window), the coverage information is instantly submitted to insurance agents in Houston that provide free Houston auto insurance quotes for your coverage. You never need to even leave your home since rate quotes are delivered immediately to you. You'll get the best rates and a licensed agent to work with. If you need to quote rates from one company in particular, you can always visit that company's website and submit a quote form there.

The following are agents in Houston that may be able to provide price quote information for Toyota Corolla insurance in Houston.

More insurance agents

Finding the right insurance company is decision based upon more than just a cheap price. These are some valid questions you should ask.

Quote more to save more

There are still a few companies who may not have price quotes online and these small insurance companies sell through independent agents. Low-cost Toyota Corolla insurance in Houston is attainable online and also from your neighborhood Houston agents, so you should be comparing quotes from both to have the best chance of lowering rates.

You just learned a lot of ways to lower your Toyota Corolla insurance rates in Houston. The key thing to remember is the more providers you compare, the better your comparison will be. You may even be surprised to find that the best rates are with a small mutual company. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm and Allstate.

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