Want to learn how to find more competitive auto insurance rates in Kingsville, TX? Kingsville consumers have a choice when looking for low-cost car insurance. You can either waste hours contacting agents getting price quotes or use the internet to make rate comparisons.

There are more efficient ways to find auto insurance online so you're going to learn the quickest way to compare rates for a new or used and find the cheapest rates from both online companies and Kingsville agents.

Shockingly, most drivers have been with the same company for over three years, and nearly the majority have never even compared quotes to find lower-cost rates. Texas consumers can save about 70% each year just by comparing rates, but most tend to underestimate the actual amount they would save if they bought a different policy.

It's a good habit to compare premium rates quite often because prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on auto insurance a couple years back a different company probably has better premium rates today. Block out anything you think you know about auto insurance because we're going to demonstrate the best way to find the best coverage while lowering your premiums.

How much is auto insurance in Kingsville, TX?

The providers in the list below are our best choices to provide free quotes in Kingsville, TX. If you want the best cheap car insurance in Texas, we recommend you compare several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Kingsville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,014 $507 $85
Dodge Ram Crew Cab TRX 2WD $1,090 $545 $91
Ford Escape XLS 4WD $1,278 $639 $107
Ford F-150 FX4 4WD $1,026 $513 $86
Ford Focus SES 2-Dr Coupe $1,194 $597 $100
Ford Fusion S 4-Dr Sedan $1,300 $650 $108
GMC Sierra SL Extended Cab 2WD $1,120 $560 $93
Honda Accord EX 4-Dr Sedan $1,138 $569 $95
Honda CR-V EX-L 2WD $1,142 $571 $95
Honda Civic EX-L 2-Dr Coupe $1,606 $803 $134
Honda Odyssey EX-L W/Navigation $1,264 $632 $105
Hyundai Elantra SE Touring Station Wagon $1,040 $520 $87
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,632 $816 $136
Nissan Altima 2.5 S 4-Dr Sedan $1,436 $718 $120
Toyota Camry Hybrid $1,282 $641 $107
Toyota Corolla S $1,100 $550 $92
Toyota RAV4 4WD $1,062 $531 $89
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $906 $453 $76
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in specific location which can influence auto insurance rates considerably.

Higher deductibles save money

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The following insurance rates may help to conceptualize the price difference between low and high comp and collision deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

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

Chevrolet Malibu insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $328 $592 $382 $22 $114 $1,463 $122
Malibu Hybrid $328 $592 $382 $22 $114 $1,463 $122
Malibu LT $370 $592 $382 $22 $114 $1,505 $125
Malibu LTZ $370 $698 $382 $22 $114 $1,611 $134
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Chevrolet Malibu insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $240 $400 $382 $22 $114 $1,158 $97
Malibu Hybrid $240 $400 $382 $22 $114 $1,158 $97
Malibu LT $270 $400 $382 $22 $114 $1,188 $99
Malibu LTZ $270 $472 $382 $22 $114 $1,260 $105
Get a Quote for Your Vehicle Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in vehicle garaging location which can influence coverage prices substantially.

Based on the figures above, using a $100 deductible costs an average of $26 more each month or $312 for a full year than selecting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at least 15 months between claims, you would save more money if you choose a higher deductible.

When to get professional advice

When it comes to choosing your policy, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won't apply.Safe vehicles cost less to insure Here are some questions about coverages that might point out whether you could use an agent's help.

If it's difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.

Car insurance agents near you

Some consumers would rather get professional advice from a licensed agent and we recommend doing that Insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing rate quotes online is you can get cheap rate quotes and also buy local. Buying from and supporting local agencies is still important in Kingsville.

After filling out this short form, your coverage information is emailed to local insurance agents in Kingsville that give free quotes for your business. It simplifies rate comparisons since you won't have to contact an agency because quoted prices will be sent to the email address you provide. If for some reason you want to quote rates from one company in particular, feel free to navigate to their website to submit a rate quote request.

Compare rates from both independent and exclusive car insurance agents

If you prefer to buy insurance from local Kingsville agents, it's helpful to know the types of agencies and how they can quote your rates. Insurance agents in Kingsville can be categorized as either exclusive or independent (non-exclusive). Both types can do a good job, but it's good to learn how they differ because it can influence your selection of an agent.

Independent Insurance Agents

Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage through many companies enabling the ability to shop coverage around. If your premiums go up, the business is moved internally and you don't have to do anything.

When comparing rates, we highly recommend that you get some free quotes from a couple of independent agencies to get the most accurate price comparison. Many can place coverage with smaller mutual companies which can save you money.

Exclusive Agencies

Exclusive agencies can only provide one company's prices and examples are State Farm or Allstate. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their company's products which can be an advantage. Some insured continue to use the same exclusive agent mostly because of the brand legacy and strong financial ratings.

Deciding on an auto insurance agent requires more thought than just a low price. Below are some questions you should ask.