How many times have you told yourself it's time to shop around for the cheapest insurance rates in Lake Jackson, TX? Nobody I know likes buying insurance, especially when they are aware that their premiums are too high.

Unimaginable but true, most insurance buyers have been with the same company for four years or more, and nearly half have never quoted rates to find cheaper coverage. Many consumers in Lake Jackson could save as much as $1,766 every year by just comparing quotes, but they just don't understand how easy it is to compare rate quotes. Companies like State Farm and GEICO promote their brand names with catchy ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

If you have a policy now or just want cheaper rates, you can use this information to get lower rates without reducing protection. Buying affordable auto insurance in Lake Jackson is actually quite simple. Vehicle owners only have to learn how to compare rate quotes online from multiple companies.

All the larger insurance companies allow you to get price estimates direct online. Comparing prices online is quite easy as you simply type in your coverage preferences into the quote form. After you submit the form the system orders information on your driving record and credit history and generates pricing information based on many factors. Using the web to get rates streamlines rate comparisons, and it's necessary to get many rate quotes in order to get the lowest payment possible.

To fill out one form to compare multiple rates now, compare rates now from the companies shown below. If you have a policy now, it's recommended you replicate the insurance coverages identical to your current policy. Doing this assures you will have a price comparison using the same coverage and limits.

The auto insurance companies shown below have been selected to offer comparison quotes in Lake Jackson, TX. If your goal is to find the best auto insurance in Texas, we suggest you get rate quotes from several of them in order to find the cheapest rates.

Insurance Price Estimates for Popular Vehicles in Lake Jackson
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,224 $612 $102
Chevrolet Silverado LTZ Extended Cab 4WD $1,374 $687 $115
Dodge Ram Quad Cab ST 4WD $1,458 $729 $122
Ford Edge SE AWD $1,316 $658 $110
Ford Escape XLS 4WD $1,116 $558 $93
Ford F-150 FX4 4WD $1,008 $504 $84
Ford Focus SES 4-Dr Sedan $1,510 $755 $126
Ford Fusion SEL AWD 4-Dr Sedan $1,334 $667 $111
Honda Accord EX-L 4-Dr Sedan $908 $454 $76
Honda CR-V EX 4WD $1,098 $549 $92
Honda Civic DX 2-Dr Coupe $1,318 $659 $110
Hyundai Sonata Limited 4-Dr Sedan $1,330 $665 $111
Nissan Altima 3.5 SR 2-Dr Coupe $1,588 $794 $132
Toyota Camry XLE $1,264 $632 $105
Toyota Corolla XLE $1,588 $794 $132
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific location which can impact insurance rates substantially.

Annual premiums for males versus females in La Porte

The example below illustrates the difference between yearly insurance costs for male and female drivers in La Porte. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in on a Honda Civic EX.

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

Get lower-cost auto insurance with discounts

Auto insurance is not an enjoyable expense, but there's a good chance there are discounts to help bring down the price. Certain reductions will be credited when you complete an application, but some need to be asked for before you get the savings.Discount auto insurance

Please keep in mind that some credits don't apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it's just not the way it works.

The best auto insurance companies and the discounts they provide include:

If you need lower rates, check with every insurance company how you can save money. Some discounts listed above might not apply in your area.

Good choices result in lower premiums

Many different elements are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but others are not as apparent such as your marital status or your commute time.

Tailor your auto insurance coverage to you

When choosing your policy, there really isn't a perfect coverage plan. Coverage needs to be tailored to your specific needs.Auto insurance savings

For example, these questions may help highlight whether or not you may require specific advice.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

Claim statistics by make and model

Which vehicle models have a high chance of claims? The following statistics show the highest and lowest makes and models for overall likelihood of having to file claims.

Lowest and Highest Car Insurance Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Chrysler 200
Audi A6 Chevrolet Impala
Mercedes-Benz SL Class Dodge Charger
Subaru Outback Mitsubishi Mirage
Fiat 500 Chevrolet Cruze
Acura MDX Kia Rio

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

Lowest and Highest Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 BMW M6
Nissan Xterra Audi S7
GMC Sierra 2500 Bentley Continental GT
Nissan Leaf BMW M6
Smart ForTwo Porsche Panamera GTS
Ford F-350 Bentley Continental GTC

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

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado BMW M6
Mini Cooper Bently Continental GT
Ford Edge Maserati Ghibli
Smart ForTwo Maserati Granturismo
Nissan Xterra BMW 6 Series
Ford F-150 SuperCrew Nissan GT-R

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

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Audi A4 Allroad Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Spark
Ford F-350 SuperCrew Nissan Versa
Tesla Model S Kia Forte
Ford Expedition Hyundai Accent
Chevrolet Silverado 2500 Dodge Charger

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

Do drivers who switch really save?

Texas drivers constantly see and hear ads that claim the cheapest rates by State Farm, GEICO and Progressive. They all seem to convey the message about saving some big amount if you just switch your car insurance coverage to their company.

That's great but how can every company charge you a lower premium? Here is the trick they use.

Most companies quote their cheapest rates for the type of driver that makes them money. For instance, this type of risk profile may need to be over age 30, has no driving citations, and has great credit. A customer who matches those parameters will get the preferred auto insurance rates in Lake Jackson and will probably save money with a new company.

Potential insureds who may not quite match those criteria will see a higher rate and the customer not purchasing. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can state the savings.

Different companies use different criteria so you should compare price quotes frequently. It's impossible to know the company that will fit your personal profile best.

Lower rates by being persistent

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage and learned later that they should have had better coverage. Your aim should be to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

We just presented many ways to get a better price on car insurance in Lake Jackson. The most important thing to understand is the more times you quote, the better chance you'll have of finding cheaper Lake Jackson auto insurance quotes. You may even discover the lowest priced car insurance comes from the least-expected company.

Lower-priced car insurance in Lake Jackson can be bought online as well as from independent agents in Lake Jackson, and you should compare rates from both to have the best selection. Some car insurance companies may not offer online price quotes and many times these regional carriers only sell through independent insurance agents.

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