Do you want to save money by finding the cheapest auto insurance rates in Hurst, TX? Having to pay for expensive auto insurance in Hurst can bottom out your funds and force you to make sacrifices. Performing a price comparison is a smart way to cut your insurance bill.

Remarkably, a study showed that nearly 70% of customers have bought auto insurance from the same company for at least four years, and about 40% of consumers have never compared rate quotes at all. With the average premium in America being $1,847, drivers can save hundreds of dollars each year by just shopping around, but they just feel it's too hard to save money by comparing rate quotes.

Insurance companies such as State Farm, Progressive and GEICO increase brand awareness with ads and it can be hard to see through the deception and find the best price available.

Consumers should take time to do rate comparisons every six months because auto insurance prices change quite often. Just because you found the best price on auto insurance six months ago there may be better deals available now. There is a lot of wrong information about auto insurance online, but we're going to give you some excellent ideas to find cheap auto insurance in Hurst.

If you already have coverage, you will be able to find better prices using the tips covered below. Buying the cheapest car insurance in Hurst can be easy if you know a few tricks. Although Texas drivers must learn how the larger insurance companies calculate your policy premium and use it to your advantage.

All the larger car insurance companies give prices for coverage direct online. Getting online quotes is pretty painless as you simply enter the amount of coverage you want on the page. When complete, the system orders information on your driving record and credit history and generates pricing information determined by many factors. This streamlines rate comparisons, and it is imperative to compare as many rates as possible in order to find the best car insurance rates.

In order to get comparison pricing now, check out the car insurance providers below. If you have a policy now, it's recommended you copy the insurance coverages as shown on your current policy. Doing this guarantees you will have a fair comparison based on similar coverages.

The providers in the list below offer comparison quotes in Hurst, TX. To get the best car insurance in Texas, we suggest you click on several of them in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Hurst
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,158 $579 $97
Chevrolet Malibu LTZ $1,578 $789 $132
Chevrolet Silverado LT Crew Cab 2WD $1,292 $646 $108
Dodge Ram Crew Cab Sport 2WD $1,310 $655 $109
Ford Edge Limited 2WD $1,292 $646 $108
Ford Escape Limited 4WD $1,228 $614 $102
Ford F-150 XL Crew Cab 2WD $1,416 $708 $118
Ford Focus SE 4-Dr Sedan $1,262 $631 $105
GMC Sierra SL Crew Cab 4WD $1,578 $789 $132
Honda Accord LX 4-Dr Sedan $1,016 $508 $85
Honda CR-V EX-L 4WD $1,142 $571 $95
Honda Civic VP 4-Dr Sedan $1,376 $688 $115
Hyundai Sonata SE 4-Dr Sedan $1,016 $508 $85
Jeep Grand Cherokee Laredo 4WD $1,512 $756 $126
Kia Optima SX $1,330 $665 $111
Nissan Altima 2.5 4-Dr Sedan $1,308 $654 $109
Nissan Rogue S 2WD $1,224 $612 $102
Toyota Camry Hybrid $1,326 $663 $111
Toyota Corolla S $1,222 $611 $102
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in specific Hurst garaging location which can raise or lower coverage prices considerably.

Car insurance rates based on gender

The information below compares insurance costs for male and female drivers in Hurst. The rate quotes are based on no violations or claims, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied on a Honda Accord EX.

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

Advertising and insurance

Popular insurance providers such as State Farm and Allstate continually stream ads on television and other media. They all seem to advertise the message that people will save if you get a free Hurst auto insurance quote and switch your insurance coverage to their company. How is it plausible that every one can lower your prices? It's all in the numbers.

All the different companies have specific criteria for the type of driver that earns them a profit. For example, a desirable insured should be a mature driver, has had continuous coverage, and does not commute to work. A customer getting a price quote who fits that profile will get very good Hurst rates and have a good chance to save a lot of money.

Potential customers who don't qualify for these stringent criteria will see a higher premium with the end result being the customer not buying. If you listen to the ad wording, they say "people who switch" not "everybody who quotes" save money. That's the way insurance companies can lure you into getting a quote.

Different companies use different criteria so drivers must get as many free Hurst auto insurance quotes as possible. It's not possible to predict with any certainty which company will be your best fit.

Why you need quality insurance for your vehicle

Even though rates can get expensive, paying for insurance serves a purpose in several ways.

The benefits of having insurance outweigh the cost, especially for larger claims. On average, a vehicle owner in Hurst overpays more than $850 per year so shop around every year to ensure rates are inline.

Get lower-cost car insurance with discounts

Some providers don't always list every policy discount very clearly, so we took the time to find a few of the more well known and the more hidden savings tricks you should be using when you buy Hurst auto insurance online.Cheaper car insurance with discounts

While discounts sound great, it's important to understand that most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.

A few companies that may offer these money-saving discounts include:

When quoting, ask each company which credits you are entitled to. Savings may not be available in your state.

Do I need an insurance agent?

A lot of people would rather sit down with an agent and we recommend doing that An additional benefit of getting free rate quotes online is the fact that you can find the best rates and also buy local. Putting coverage with local insurance agencies is still important in Hurst.

Find insurance agent in HurstAfter completing this form (opens in new window), the coverage information is submitted to participating agents in Hurst who will return price quotes for your insurance coverage. You never need to contact an agency because quoted prices will be sent to you instantly. You'll get the best rates and work with a local agent. If for some reason you want to compare rates for a specific company, just find their quoting web page and submit a quote form there.

Best auto insurance agent in Hurst

If you are searching for a local insurance agency, you should know the types of insurance agents and how they can quote your rates. Insurance agencies in Hurst can be classified as either exclusive or independent.

Independent Agencies or Brokers

Independent agencies do not write with just one company and that allows them to write policies with lots of companies and find the cheapest insurance rates. If your premiums go up, they can switch companies in-house and the insured can keep the same agent. When comparison shopping, you will definitely want to include independent agents to maximize your price options.

Exclusive Agents

Exclusive insurance agents normally can only provide a single company's rates and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to compare other company's rates so they have no alternatives for high prices. They are usually well trained on what they offer which helps them compete with independent agents.

Choosing the best auto insurance agent needs to be determined by more than just the quoted price. Ask your prospective agent these questions:

Coverage specifics

Understanding the coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you'll find typical coverage types found on the average car insurance policy.

Coverage for collisions

Collision coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, rolling your car, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your vehicle.

Due to the fact that many Texas drivers have only the minimum liability required by law (which is 30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Liability car insurance

This will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 30/60/25 which stand for a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, legal defense fees, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. Texas requires drivers to carry at least 30/60/25 but it's recommended drivers buy higher limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, prosthetic devices, chiropractic care, EMT expenses and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, fire damage and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Car insurance claims by make and model

Is your vehicle a claim risk? The statistics tables below show the highest and lowest manufacturer models for the overall chance of having to file claims for each type of coverage listed.

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Claims Highest Claims
Ford F-250 SuperCab Nissan GT-R
GMC Canyon Maserati Ghibli
Ford F-150 SuperCrew BMW 6 Series
Jeep Wrangler Bently Continental GT
Chevrolet Colorado BMW M6
Ford Edge Audi RS7

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

Lowest and Highest Car Insurance Liability Claims by Vehicle
Lowest Claims Highest Claims
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Dodge Charger
Acura MDX Chevrolet Impala
Fiat 500 Chevrolet Cruze
Chevrolet Corvette Chevrolet Sonic
Audi A6 Mitsubishi Lancer

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

Vehicle Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claims Highest Claims
Chevrolet Corvette Chrysler 200
Ford F-250 SuperCrew Mitsubishi Lancer
Audi A4 Allroad Nissan Sentra
Chevrolet Silverado 3500 Nissan Versa
Tesla Model S Chevrolet Sonic
Ford Expedition Chevrolet Spark

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

Vehicles with the Lowest and Highest Comprehensive Claims
Lowest Claims Highest Claims
Chevy Silverado 2500 Audi S7
Chevy Spark BMW M6
Ford F-350 Maserati Quattroporte
Infiniti QX50 Bentley Continental GTC
Smart ForTwo Mercedes-Benz S Class
Nissan Xterra Porsche Panamera GTS

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

In conclusion

In this article, we presented quite a bit of information on how to lower your insurance car insurance rates in Hurst. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with the smaller companies. These smaller insurers often have lower premium rates on specific markets compared to the large companies like Progressive or GEICO.

Cheaper insurance in Hurst can be bought from both online companies and also from your neighborhood Hurst agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer internet price quotes and most of the time these regional insurance providers sell through independent insurance agents.

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