Would you prefer to buy the cheapest auto insurance rates in North Richland Hills, TX? Are you at wits end from scraping the payment together to pay high auto insurance rates every month? You are in the same boat as the majority of other consumers in Texas.

Shockingly, a large majority of auto insurance policyholders in Texas renewed their policy with the same company for at least the last four years, and 38% of customers have never compared auto insurance rates at all. Drivers in the U.S. could save almost 46.5% each year by just comparing rate quotes, but they just don't understand how much they could save if they moved their coverage to a different company. With so many insurance providers from which to choose, it's difficult to locate the most cost effective insurer.

It's smart to get comparison quotes on a regular basis since rates change regularly. Just because you found the lowest premium rates on auto insurance on your last policy the chances are good that you can find a lower price today. Forget all the misinformation about auto insurance because we're going to show you the fastest way to find lower rates on auto insurance.

Lower rates by qualifying for these six discounts

Companies offering auto insurance do not list the entire discount list very clearly, so the following list contains some of the best known and the harder-to-find credits that may apply to you.Cheaper auto insurance with discounts

As a disclaimer on discounts, some credits don't apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, company stockholders wouldn't be very happy.

A list of auto insurance companies and a partial list of their discounts are detailed below.

If you are trying to find inexpensive North Richland Hills car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Savings might not apply everywhere. To find providers that can offer you the previously mentioned discounts in North Richland Hills, follow this link.

The providers in the list below are our best choices to provide quotes in North Richland Hills, TX. If multiple companies are listed, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Insurance Rates for Popular Vehicles in North Richland Hills
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,138 $569 $95
Chevrolet Impala LT $1,486 $743 $124
Chevrolet Silverado LTZ Crew Cab 2WD $1,554 $777 $130
Dodge Grand Caravan CV $1,416 $708 $118
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,704 $852 $142
Ford Escape XLT 4WD $878 $439 $73
Ford F-150 Lariat Crew Cab 2WD $1,524 $762 $127
Ford Focus SEL 4-Dr Sedan $1,358 $679 $113
GMC Sierra SLE Crew Cab 2WD $1,260 $630 $105
Honda Accord EX 2-Dr Coupe $1,440 $720 $120
Honda CR-V EX-L 4WD $1,098 $549 $92
Honda Civic SI 4-Dr Sedan $1,154 $577 $96
Hyundai Sonata GLS 4-Dr Sedan $970 $485 $81
Kia Optima LX $1,278 $639 $107
Mazda 3 I Touring 4-Dr Sedan $1,068 $534 $89
Nissan Altima 2.5 4-Dr Sedan $1,006 $503 $84
Toyota Camry XLE $1,038 $519 $87
Toyota Corolla S $1,222 $611 $102
Toyota RAV4 Limited 4WD $1,324 $662 $110
Toyota Tacoma 2WD $1,450 $725 $121
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can lower or raise premiums significantly.

Car insurance rates by gender and age

The chart below visualizes the comparison of yearly insurance costs for male and female drivers in North Richland Hills. The rate quotes are based on no claims or driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are factored in on a Nissan Altima Hybrid.

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

Illustration showing the impact of accidents and violations

The example below shows how traffic citations and fender-benders influence Honda Civic car insurance rates for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

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

Where to set your deductibles

One frequently asked question is which comprehensive and collision deductibles to buy. The data tables below outline the cost difference when you select higher and lower physical damage deductibles. The first rate table uses a $100 physical damage coverage deductible and the second pricing table 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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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in vehicle garaging location which can decrease or increase price quotes significantly.

We can estimate from the data above that using a $100 deductible will cost you approximately $25 more each month or $300 for a full year than selecting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 16 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Insurance is unique, just like you

When quoting and choosing coverage online or from an agent for your vehicles, there is no "best" method to buy coverage. Every insured's situation is different.Safe vehicles cost less to insure

For instance, these questions might help in determining whether you might need professional guidance.

If you can't answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of a car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your vehicle.

Due to the fact that many Texas drivers only carry the minimum required liability limits (30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer, a broken windshield, fire damage and damage from flooding. The maximum amount 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.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as chiropractic care, surgery, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for liability

This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 30/60/25 which stand for a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like attorney fees, structural damage, medical services and repair bills for other people's vehicles. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but you should consider buying more coverage.

Car insurance claim statistics

Which vehicles have good claim ratings? The statistics below show the worst and best vehicle makes and models for the probability of having large claims for each type of coverage listed.

Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford Edge BMW 6 Series
Smart ForTwo Ferrari 458
Mini Cooper Bently Continental GT
Nissan Xterra Maserati Granturismo
Chevrolet Colorado Bentley Continental Flying Spur
Jeep Wrangler Nissan GT-R

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

Car Insurance Comprehensive Claims by Vehicle
Lowest Claims Highest Claims
GMC Sierra 2500 Maserati Quattroporte
Volvo V60 Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GT
Chevy Spark Audi S7
Smart ForTwo BMW M6
Nissan Xterra Maserati Granturismo

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

Vehicles with the Lowest and Highest Medical Payment Claims
Lowest Claims Highest Claims
Chevrolet Corvette Chrysler 200
Chevrolet Silverado 2500 Chevrolet Spark
Chevrolet Silverado 3500 Nissan Versa
Tesla Model S Mitsubishi Mirage
Ford F-250 SuperCrew Dodge Charger
Ford F-350 SuperCrew Chevrolet Sonic

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

Liability Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Corvette Kia Rio
Subaru Outback Dodge Charger
Subaru Forester Chevrolet Impala
Acura MDX Mitsubishi Lancer
Volvo XC60 Hyndai Accent
Mercedes-Benz SL Class Chrysler 200

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

One last thing to lower rates

More affordable insurance in North Richland Hills can be bought from both online companies in addition to many North Richland Hills insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide online price quotes and most of the time these regional insurance providers only sell through independent agents.

Consumers who switch companies do it for many reasons like delays in paying claims, delays in responding to claim requests, high rates after DUI convictions or unfair underwriting practices. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.

While you're price shopping online, do not buy less coverage just to save a little money. In many cases, drivers have reduced full coverage to discover at claim time that the savings was not a smart move. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

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