Comparing Rowlett car insurance quotes online can seem complicated if you are like most people and have never completed online quotes. But don't let that discourage you because online price shopping is actually quite simple.

Amazingly, most consumers have purchased from the same company for a minimum of four years, and 38% of customers have never compared quotes from other companies. With the average premium in Texas being $2,679, drivers could save themselves up to $1,770 a year, but they just assume it's a time-consuming process to shop around.

If you already have coverage, you will be able to buy cheaper insurance using these tips. This information will teach you how car insurance companies work. But Texas drivers do need to understand the way insurance companies determine prices because rates fluctuate considerably.

When price shopping your coverage, having more price comparisons increases the chance that you will find more affordable rates.

The providers in the list below are our best choices to provide free rate quotes in Rowlett, TX. If you wish to find cheaper auto insurance in Texas, we recommend you click on several of them in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Rowlett
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,410 $705 $118
Chevrolet Silverado LTZ Crew Cab 4WD $1,138 $569 $95
Dodge Grand Caravan SE $1,258 $629 $105
Dodge Ram Crew Cab SLT 4WD $1,404 $702 $117
Ford Edge Sport 2WD $1,068 $534 $89
Ford Escape Limited 2WD $870 $435 $73
Ford Explorer XLT 2WD $1,112 $556 $93
Ford F-150 Lariat Crew Cab Platinum 4WD $1,112 $556 $93
Ford Focus SES 2-Dr Coupe $1,194 $597 $100
Ford Fusion Sport 4-Dr Sedan $1,288 $644 $107
Honda Accord EX-L 2-Dr Coupe $1,354 $677 $113
Honda CR-V EX-L 4WD $918 $459 $77
Honda Civic DX 2-Dr Coupe $1,148 $574 $96
Honda Odyssey EX W/Rear Entertainment $1,258 $629 $105
Nissan Altima 2.5 S 4-Dr Sedan $1,068 $534 $89
Toyota Camry XLE $1,186 $593 $99
Toyota Corolla S $1,084 $542 $90
Toyota Tacoma 2WD $1,178 $589 $98
Volkswagen Jetta SE 2.5 Station Wagon $1,186 $593 $99
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific location information which can alter coverage prices significantly.

Higher deductibles lower rates

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The rates shown below illustrate the rate difference when you choose different physical damage deductibles. The first set of rates uses a $100 deductible and the second price chart uses a $500 deductible.

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

Honda Pilot insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $328 $486 $382 $22 $114 $1,357 $113
Pilot EX 2WD $370 $486 $382 $22 $114 $1,399 $117
Pilot EX 4WD $370 $486 $382 $22 $114 $1,399 $117
Pilot EX-L 2WD $370 $592 $382 $22 $114 $1,505 $125
Pilot EX-L 4WD $370 $592 $382 $22 $114 $1,505 $125
Pilot Touring 2WD $370 $592 $382 $22 $114 $1,505 $125
Pilot Touring 4WD $370 $592 $382 $22 $114 $1,505 $125
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Honda Pilot insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $240 $328 $382 $22 $114 $1,086 $91
Pilot EX 2WD $270 $328 $382 $22 $114 $1,116 $93
Pilot EX 4WD $270 $328 $382 $22 $114 $1,116 $93
Pilot EX-L 2WD $270 $400 $382 $22 $114 $1,188 $99
Pilot EX-L 4WD $270 $400 $382 $22 $114 $1,188 $99
Pilot Touring 2WD $270 $400 $382 $22 $114 $1,188 $99
Pilot Touring 4WD $270 $400 $382 $22 $114 $1,188 $99
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in specific zip code location which can revise coverage prices significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $25 more each month or $300 a year than buying the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 16 months between claims, you would come out ahead by going with a higher deductible.

Do car insurance companies bend the truth?

Respected companies like State Farm and Allstate continually stream ads on TV and radio. They all advertise claims about saving some big amount if you get a free Rowlett car insurance quote and switch to them. How can each company offer you a better deal on car insurance? It's all in how they say it.

Insurance companies are able to cherry pick for the type of driver that will not have excessive claims. For example, a desirable insured might be described as a married female, has no prior claims, and does not commute to work. A customer who meets those qualifications is entitled to the best price and most likely will save money with a new company.

Consumers who do not meet the ideal profile will see higher prices which leads to the customer not buying. If you pay attention, the ads say "customers that switch" not "everyone that quotes" save that much. That's why companies can make claims like that. Because of the profiling, it's extremely important to do a price quote comparison at every renewal. It is impossible to guess which car insurance company will have the lowest prices for your situation.

Three reasons to not skimp on car insurance

Despite the fact that car insurance is not cheap in Rowlett, paying for car insurance is most likely required but also gives you several important benefits.

First, most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your vehicle, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your vehicle for a lot more money and require you to fork over for it.

Third, insurance protects your car and your assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having car insurance greatly outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is currently overpaying as much as $855 a year so it's recommended you shop around at every policy renewal to help ensure money is not being wasted.

Get cheaper auto insurance with discounts

Not many people think insurance is cheap, but you can get discounts that many people don't even know exist. Certain discounts will be applied at the time you complete a quote, but a few must be inquired about prior to receiving the credit.Discount auto insurance

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you aren't that lucky.

Companies and a partial list of their discounts are included below.

If you are trying to find cheap Rowlett car insurance quotes, ask all the companies to give you their best rates. Some discounts listed above may not be available in Rowlett. To choose auto insurance companies that offer many of these discounts in Rowlett, click here to view.

Shop online but buy locally

Some people would prefer to talk to an insurance agent and that is a smart decision One of the best bonuses of price shopping on the web is that you can obtain lower rates and also buy local.

Rowlett insurance agentsAfter filling out this short form, your coverage information gets sent to insurance agents in Rowlett who will give you bids for your business. You won't even need to visit any agencies because quoted prices will be sent to the email address you provide. You'll get the best rates without a big time investment. If you wish to get a rate quote from one company in particular, you just need to navigate to their website and complete a quote there.

Choosing the best insurer should depend on more than just a low price. Before buying a policy in Rowlett, get answers to these questions.

If you prefer to buy insurance from a reliable insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Agents in Rowlett can be described as either exclusive agents or independent agents.

Exclusive Insurance Agencies

Exclusive agencies generally can only insure with one company like Allstate, State Farm and Farm Bureau. They generally cannot provide other company's prices so they really need to provide good service. They are trained well on their company's products and that enables them to sell even at higher rates. Many people buy from the same agent for years mainly due to loyalty to the company rather than low price.

Independent Insurance Agencies

These type of agents are not employed by one company so they can insure your vehicles with any number of different companies and find the cheapest insurance rates. If your agent finds better pricing, the business is moved internally and you don't have to switch agencies.

When comparing insurance rates, you will want to include rate quotes from at least one independent agent to maximize your price options. Most also have access to smaller mutual companies that may provide cheaper insurance rates.

Auto insurance coverage specifics

Knowing the specifics of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverages

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

Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle, hitting a bird, fire damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your vehicle.

Due to the fact that many Texas drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for rehabilitation expenses, hospital visits and doctor visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision insurance

Collision insurance covers damage to your vehicle resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people's claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 30/60/25 which stand for $30,000 in coverage for each person's injuries, $60,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical services, repair bills for other people's vehicles, repair costs for stationary objects, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry higher limits.

Best and worst vehicle claim statistics

Is your vehicle likely to have claims? The data below show the worst and best vehicle models for the probability of having to file claims.

Lowest and Highest Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Porsche Panamera GTS
GMC Sierra 2500 Maserati Quattroporte
Ford F-350 Bentley Continental GTC
Infiniti QX50 Bentley Continental GT
Nissan Leaf Mercedes-Benz S Class
Smart ForTwo BMW M6

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

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Dodge Charger
Land Rover Range Rover Sport Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Mirage
Tesla Model S Kia Forte
Ford Expedition Chevrolet Sonic
Ford F-350 SuperCrew Chevrolet Spark

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

Auto Insurance Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Bently Continental GT
Chevrolet Colorado Bentley Continental Flying Spur
Jeep Wrangler Ferrari 458
Smart ForTwo Nissan GT-R
Nissan Xterra Bently Continental GTC
GMC Canyon BMW M6

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

Liability Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Subaru Outback Chevrolet Cruze
Fiat 500 Kia Rio
Chevrolet Corvette Chrysler 200
Audi A6 Kia Optima
Mercedes-Benz SL Class Mitsubishi Mirage
Volvo XC60 Chevrolet Sonic

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

A little work can save a LOT of money

When shopping online for insurance, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Consumers leave their current company for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, delays in responding to claim requests and even policy non-renewal. Regardless of your reason, finding the right insurance provider is easier than you think.

We just covered quite a bit of information on how to reduce insurance car insurance rates online in Rowlett. The key thing to remember is the more you quote Rowlett car insurance, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the smallest insurance companies.

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