Finding low-cost insurance for your car in Texas can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find insurance online and we'll show you the quickest way to compare rates for a new or used and find the lowest price either online or from McAllen insurance agents.

A recent insurance study revealed that the vast majority of insurance customers have remained with the same insurance company for over three years, and nearly half have never even shopped around for cheaper coverage. Texas consumers can save hundreds of dollars each year just by getting comparison quotes, but they think it's difficult to do a rate comparison.

It's a good habit to do rate comparisons once or twice a year because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on insurance on your last policy you can probably find a better rate quote now. Block out anything you think you know about insurance because you're going to get a crash course in the easiest way to properly buy coverages and cut your premium.

If you have coverage now or just want cheaper rates, you can follow these tips to save money without sacrificing coverage. Quoting the best car insurance in McAllen can be fairly easy. Drivers just need to know the most efficient way to compare different rates over the internet.

How to lower your auto insurance prices

Many things are considered when pricing auto insurance. Some are obvious such as traffic violations, but others are more obscure such as your marital status or how safe your car is. A large part of saving on auto insurance is knowing a few of the rating criteria that go into determining the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that can earn you lower rates.

The list below includes just a few of the factors companies use to determine rates.

With age comes lower costs - Teen drivers in Texas tend to be less responsible when driving so they pay higher auto insurance rates. Parents adding a inexperienced driver to your auto insurance policy can cause a big jump in price. Older people are more cautious drivers, cost insurance companies less in claims, and get fewer tickets.

Continuous coverage saves money - Allowing your coverage to lapse is a guaranteed way to increase your renewal premiums. In addition to paying higher premiums, getting caught without coverage will get you fines or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.

Auto insurance rates and your job - Do you have a high-stress occupation? Jobs such as doctors, architects and emergency personnel are shown to have higher premiums than the average policyholder because of high stress and lengthy work days. Other jobs like farmers, historians and homemakers have the lowest average rates.

Rates are affected by your address - Having an address in a rural area may provide you with better prices when trying to find low car insurance rates. Drivers who live in large cities tend to have more traffic problems and more severe claims. Lower population means less chance of accidents in addition to fewer liability claims.

All major insurance companies give prices for coverage on the web. Getting insurance prices online doesn't take much effort as you simply type in your coverage information into the quote form. After you complete the form, their quoting system automatically retrieves your driving record and credit report and returns pricing information.

Being able to quote online makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get cheaper insurance pricing.

To save time and find out how much you can save on insurance, compare rates now from the companies shown below. If you have coverage now, it's recommended you type in the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you will receive a price comparison based on similar coverages.

The companies shown below provide free quotes in Texas. If you wish to find the best auto insurance in Texas, we recommend you visit as many as you can in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in McAllen
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 4WD $1,194 $597 $100
Dodge Ram Crew Cab Laramie 2WD $1,352 $676 $113
Ford Escape Limited 2WD $918 $459 $77
Ford F-150 Lariat Crew Cab 2WD $1,034 $517 $86
Ford Focus SES 4-Dr Sedan $1,510 $755 $126
Ford Fusion SE 4-Dr Sedan $1,214 $607 $101
GMC Sierra SL Extended Cab 2WD $1,012 $506 $84
Honda Accord LX-P 4-Dr Sedan $946 $473 $79
Honda CR-V EX-L 2WD $1,264 $632 $105
Honda Civic VP 4-Dr Sedan $1,040 $520 $87
Honda Odyssey Touring $1,252 $626 $104
Jeep Grand Cherokee SRT-8 4WD $1,260 $630 $105
Nissan Altima 3.5 SR 2-Dr Coupe $1,178 $589 $98
Toyota Camry LE $1,164 $582 $97
Toyota Corolla XLE $1,224 $612 $102
Toyota Tacoma Double Cab 4WD $1,126 $563 $94
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in garaging location in McAllen which can influence price quotes considerably.

Deductible analysis

A question often asked by McAllen drivers is how high should the physical damage coverage deductibles be. The data tables below illustrate how much more you'll pay of buying low and high physical damage deductibles. The first pricing table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

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

Honda Accord insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord LX 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord EX 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord LX-P 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord LX-P 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord EX-L 4-Dr Sedan $328 $592 $324 $20 $96 $1,385 $115
Accord EX 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Accord LX-S 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Accord EX-L 2-Dr Coupe $370 $698 $430 $26 $128 $1,677 $140
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord LX 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord EX 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord LX-P 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord LX-P 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord EX-L 4-Dr Sedan $240 $400 $324 $20 $96 $1,080 $90
Accord EX 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Accord LX-S 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Accord EX-L 2-Dr Coupe $270 $472 $430 $26 $128 $1,326 $111
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Cost estimates assume 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, claim-free, and multi-policy. Table data does not factor in specific zip code location which can change premiums significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $25 more each month or $300 a year than selecting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 16 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Be skeptical of car insurance ads

Consumers in Texas can't escape the ads that claim the cheapest premium rates by companies like GEICO, State Farm and Progressive. All the companies make an identical promise that drivers will save a bundle after switching to their company.

But how can every company make the same claim?

All the different companies provide the lowest rates for a prospective insured that earns them the most money. For example, this type of risk profile may be a married male, has no driving citations, and the vehicle is rated for pleasure use. Anybody who fits that profile will get low prices as well as cut their rates substantially.

Consumers who fall outside this stringent profile will get higher rates which leads to the driver buying from a lower-cost company. The ads say "people that switch" but not "all drivers who get quotes" save that much money. That's the way companies can truthfully state the savings. This really illustrates why it's extremely important to do a price quote comparison at every renewal. It's impossible to know which insurance companies will give you lower auto insurance rates than your current company.

Protect your vehicle and other assets

Despite the fact that auto insurance is not cheap in McAllen, maintaining insurance serves several important purposes.

The benefits of insuring your vehicle are definitely more than the cost, especially with large liability claims. An average driver in America overpays more than $865 each year so compare quotes from several companies once a year at a minimum to be sure current rates are still competitive.

Take policy discounts and save on car insurance

Not many people think insurance is cheap, but there are discounts available to help offset the cost. A few discounts will be applied at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit. If you're not getting every credit you qualify for, you're paying more than you need to.Discount car insurance

It's important to understand that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Larger car insurance companies and some of the discounts are outlined below.

Before purchasing a policy, check with each company which discounts they offer. Some of the discounts discussed earlier may not apply everywhere.

Buying from insurance agents

Many people would rather buy from a licensed agent and that is just fine! Professional insurance agents will help you protect your assets and help submit paperwork. One of the great benefits of comparing car insurance online is that drivers can save money and get cheaper premium rates and still have a local agent.

McAllen insurance agentsTo help locate an agent, after submitting this quick form, the quote information gets sent to participating agents in McAllen that provide free McAllen car insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent as quotes are delivered to you directly. If you want to compare rates from one company in particular, feel free to find their quoting web page to submit a rate quote request.

Picking a insurer needs to be determined by more than just a cheap price. These are valid questions to ask:

When finding a local agent, there are a couple of types of insurance agents and how they are slightly different. McAllen agents may be either independent agents or exclusive agents. Both types can properly insure your vehicles, but we need to point out the differences since it could factor into buying decisions.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide prices from multiple companies so they really need to provide good service. They receive a lot of sales training on their company's products which helps overcome the inability to quote other rates. Many people buy insurance from these agents mainly due to loyalty to the company rather than low rates.

Independent Agents (or Brokers)

Agents that elect to be independent often have affiliation with several companies and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest rate. If they find a lower price, the agent simply finds a different carrier and you can keep the same agent.

When shopping rates, it's a good idea to compare quotes from a couple of independent agencies to maximize your price options. Most independent agents also contract with small regional insurance companies which could offer lower prices.

After talking to the agent and getting satisfactory answers to any questions you have and an affordable coverage quote, you have narrowed it down to an insurance agent that can be relied on to properly service your car insurance policy. Just keep in mind you are entitled to terminate coverage whenever you want so don't think that you're stuck with any specific company for any length of time.

Your insurance coverage should be tailored to you

When buying the best insurance coverage for your vehicles, there really isn't a "best" method to buy coverage. Your needs are not the same as everyone else's.Drive safe and save

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Persistence will pay off

Cost effective auto insurance is definitely available on the web and also from your neighborhood McAllen agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide online price quotes and many times these small insurance companies sell through independent insurance agents.

You just learned quite a bit of information on how to get a better price on auto insurance in McAllen. The most important thing to understand is the more you quote McAllen car insurance, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

As you go through the steps to switch your coverage, make sure you don't sacrifice coverage to reduce premiums. There are many occasions where an insured cut comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price.

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