How many times have you told yourself to find lower-priced car insurance rates in Cleburne, TX? I really doubt anyone enjoys paying for car insurance, especially when the prices are way too high.

A recent study showed that nearly 70% of Texas drivers renewed their policy with the same company for more than four years, and practically 40% of car insurance customers have never even compared rates from other companies. Consumers in America can cut their rates by roughly $850 a year, but they assume it's a waste of time to compare rates online.

Big-name insurance companies like Allstate, Progressive and GEICO all promote huge savings with ads and consumers find it hard to see through the deception and do the work needed to find the best deal.

It's important to quote other rates before your policy renews since insurance prices are rarely the same from one policy term to another. Just because you had the lowest quotes on car insurance last year there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to learn the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now, you stand a good chance to be able to find better prices using the concepts you're about to learn. Buying affordable auto insurance in Cleburne is easy if you know what you're doing. Nevertheless, Texas consumers should learn the way companies calculate your policy premium and use it to your advantage.

It's important to know that comparing more prices helps you find better pricing. Not every company provides quotes over the internet, so it's recommended that you also compare price quotes from those companies as well.

The providers in the list below offer free quotes in Texas. If you wish to find the best auto insurance in Texas, we recommend you visit several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Cleburne
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $950 $475 $79
Chevrolet Silverado LS Regular Cab 2WD $998 $499 $83
Dodge Ram Crew Cab ST 4WD $1,244 $622 $104
Ford Escape XLS 2WD $1,000 $500 $83
Ford F-150 STX Regular Cab 2WD $1,190 $595 $99
Ford Focus SEL 4-Dr Sedan $1,406 $703 $117
GMC Sierra SLT Crew Cab 4WD $1,358 $679 $113
Honda Accord EX 4-Dr Sedan $1,104 $552 $92
Honda CR-V EX-L 2WD $782 $391 $65
Honda Civic LX 2-Dr Coupe $1,610 $805 $134
Hyundai Sonata GLS 4-Dr Sedan $1,564 $782 $130
Nissan Altima Hybrid 4-Dr Sedan $1,080 $540 $90
Nissan Rogue SL 2WD $1,242 $621 $104
Toyota Camry SE $1,038 $519 $87
Toyota Corolla XRS $1,108 $554 $92
Toyota Prius $1,122 $561 $94
Toyota RAV4 Sport 4WD $1,200 $600 $100
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in vehicle garaging location which can affect prices substantially.

Annual premiums comparing men and women in Cleburne

The illustration below shows the difference between insurance costs for male and female drivers in Cleburne. The premium estimates are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are factored in on a GMC Acadia SLT.

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

Get discounts on Cleburne auto insurance

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Some trigger automatically when you purchase, but a few must be requested specifically before they will apply.Auto insurance discounts

Please keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, you're out of luck.

A list of companies and some of their more popular discounts are outlined below.

It's a good idea to ask all companies you are considering what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in Cleburne.

Get rate quotes but still have a neighborhood Cleburne auto insurance agent

Many drivers would rather sit down with an agent. The best thing about getting online price quotes is that drivers can save money and get better rates but still work with a licensed agent. Buying from and supporting local agencies is still important in Cleburne.

Find insurance agent in CleburneOnce you complete this short form, your insurance coverage information is transmitted to participating agents in Cleburne who want to provide quotes for your coverage. You won't need to even leave your home because quoted prices will be sent to your email. It's the lowest rates and a licensed agent to talk to. If you want to get a price quote from one company in particular, you just need to navigate to their website and fill out their quote form.

Picking an provider requires you to look at more than just the quoted price. Any agent in Cleburne should be forthright in answering these questions:

After getting acceptable answers to all your questions in addition to an acceptable price estimate, you may have just found an provider that meets the criteria to properly service your car insurance policy. But remember, it's your policy and you can cancel your policy any time you want so don't feel that you're stuck with any specific company for the full policy term.

Eight ways to buy insurance cheaper in Cleburne

Smart consumers have a good feel for the different types of things that help determine your premiums. When you know what positively or negatively determines base rates, this allows you to make good choices that can help you get lower premium levels.

The factors shown below are some of the factors companies use to determine prices.

Marriage brings a discount - Having a wife or husband can get you a discount when shopping for insurance. It may mean you are more mature and responsible and it's proven that being married results in fewer claims.

Your career may increase rates - Occupations such as judges, architects and stock brokers generally have higher rates than average attributed to job stress and long work days. Other jobs such as farmers, engineers and the unemployed have lower than average premiums.

Cut rates and deter theft - Driving a car that has a built-in theft deterrent system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart vehicle theft.

Physical damage deductibles - Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, hail damage, and burglary. Comp and collision deductibles define how much you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you're willing to pay, the bigger discount you will receive.

You might want pay the minor insurance claims yourself - If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Companies in Texas generally give the best rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is designed for the bigger claims that can't be paid out-of-pocket.

More miles equals more premium - Driving a lot of miles each year the higher your rates will be. Almost all companies price each vehicle's coverage based on how the vehicle is used. Vehicles that have low annual miles qualify for better rates compared to those used for work or business. It's a smart idea to ensure your insurance policy is rated on the proper vehicle usage, because it can save money.

Your age impacts your premiums - Older drivers are shown to be more cautious, tend to cause fewer accidents, and usually have better credit.Inexperience drivers are statistically shown to be easily distracted with other occupants in the car and because of this, their insurance rates are much higher.

High credit rating translates to low rates - Having a bad credit rating can be an important factor in calculating your premium rate. Insureds with good credit tend to be more responsible and file fewer claims than those with poor credit. Therefore, if your credit leaves room for improvement, you may save money insuring your vehicle by repairing your credit.

Why you need car insurance

Despite the high cost, buying car insurance serves an important purpose.

The benefits of carrying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. Today the average American driver overpays more than $810 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.

Vehicle claim statistics

What vehicles have the most claims? The following tables show the highest and lowest cars and trucks for overall likelihood of having to file claims for each type of coverage listed.

Lowest and Highest Auto Insurance Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew Maserati Granturismo
Mini Cooper Bentley Continental Flying Spur
Nissan Xterra Bently Continental GTC
Jeep Wrangler BMW M6
GMC Canyon Audi RS7
Chevrolet Colorado Maserati Ghibli

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

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-350 BMW M6
Smart ForTwo Mercedes-Benz S Class
Nissan Xterra Audi S7
Infiniti QX50 Maserati Granturismo
GMC Sierra 2500 Porsche Panamera GTS
Chevy Spark BMW M6

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

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Nissan Sentra
Chevrolet Corvette Chevrolet Spark
Tesla Model S Nissan Versa
Ford F-250 SuperCrew Kia Forte
Ford Expedition Mitsubishi Lancer
Audi A4 Allroad Chevrolet Sonic

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

Liability Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Audi A6 Chevrolet Impala
Subaru Forester Chevrolet Sonic
Volvo XC60 Kia Rio
Fiat 500 Chevrolet Cruze
Mercedes-Benz SL Class Chrysler 200
Chevrolet Corvette Kia Optima

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

Final considerations

Cheaper auto insurance in Cleburne can be found both online in addition to many Cleburne insurance agents, so you should compare both to have the best rate selection. There are still a few companies who don't offer the ability to get quotes online and these smaller companies only sell coverage through independent agencies.

We just covered some good ideas how you can get a better price on auto insurance in Cleburne. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a small local company. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

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