Nobody looks forward to paying premiums for auto insurance, especially knowing the cost is too high.

A recent auto insurance study discovered that a large majority of drivers have been with the same company for at least four years, and just under half have never compared rates from other carriers. Frisco drivers could save themselves roughly 70% a year just by comparing rates, but they think it's difficult to find affordable auto insurance rates. Popular companies such as State Farm and GEICO increase brand awareness with advertising and it is challenging if not impossible to see past the geckos and flying pigs and do the work needed to find the best deal.

If you have a current insurance policy or just want a better rate, follow these tips to find the best rates without sacrificing coverage. Locating the most cost-effective insurance policy in Frisco is much easier if you have a good place to start. Vehicle owners only have to learn the proper methods to compare price quotes online from multiple companies.

Finding cheap insurance rates is not a difficult process. You just have to spend a few minutes on the computer comparing free Frisco car insurance quotes provided by online insurance companies.

Comparing free rate quotes online is easy and it, replaces the need to spend your day driving to different agent offices. The fact that you can get quotes online has reduced the need for local agents unless you want the trained guidance that can only be provided by a licensed insurance agent. It is possible to price shop online but buy the policy through an agent.

The companies in the list below provide price quotes in Frisco, TX. If multiple companies are listed, it's highly recommended you get rate quotes from several of them in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Frisco
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 2WD $1,354 $677 $113
Dodge Ram Crew Cab TRX 2WD $1,244 $622 $104
Ford Escape XLS 4WD $946 $473 $79
Ford Explorer XLT AWD $1,054 $527 $88
Ford F-150 Lariat King Ranch 4WD $1,132 $566 $94
Ford Focus SES 4-Dr Sedan $1,016 $508 $85
Honda Accord LX-S 2-Dr Coupe $1,262 $631 $105
Honda CR-V LX 4WD $886 $443 $74
Honda Civic DX 4-Dr Sedan $1,178 $589 $98
Honda Odyssey EX-L W/Navigation $1,616 $808 $135
Hyundai Elantra GLS Touring Station Wagon $1,014 $507 $85
Nissan Altima 3.5 SR 2-Dr Coupe $1,364 $682 $114
Toyota Camry SE $952 $476 $79
Toyota Corolla XRS $1,626 $813 $136
Toyota RAV4 Sport 4WD $1,284 $642 $107
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific Frisco garaging location which can affect auto insurance rates noticeably.

Policy deductible comparison

One common question asked by Frisco drivers is which comprehensive and collision deductibles to buy. The premium rates below help summarize the rate differences when you choose different coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $294 $496 $382 $22 $114 $1,333 $111
Malibu Hybrid $294 $496 $382 $22 $114 $1,333 $111
Malibu LT $332 $496 $382 $22 $114 $1,371 $114
Malibu LTZ $332 $584 $382 $22 $114 $1,459 $122
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Chevrolet Malibu insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $240 $400 $382 $22 $114 $1,158 $97
Malibu Hybrid $240 $400 $382 $22 $114 $1,158 $97
Malibu LT $270 $400 $382 $22 $114 $1,188 $99
Malibu LTZ $270 $472 $382 $22 $114 $1,260 $105
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can influence insurance rates noticeably.

We can derive from the above data that using a $250 deductible will cost you about $15 more each month or $180 a year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 17 months between claims, you would save more money if you elect the higher deductible. The table below shows how we made this calculation.

Average monthly premium for $250 deductibles: $115
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. You will want to have some savings in order to pay the deductible to have repairs made.

Insurance rate increases from tickets or accidents

The diagram below illustrates how violations and accident claims can influence Chevrolet Silverado premium costs for each different age group. The prices are based on a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Policy deductible comparison

The chart below demonstrates how deductible levels and can influence Hyundai Elantra yearly insurance costs for different ages of insureds. The rates are based on a single female driver, full coverage, and no policy discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Your auto insurance coverage should be tailored to you

When buying a policy, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.Drive safe and save

For instance, these questions may help you determine if you would benefit from an agent's advice.

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It's fast, free and can provide invaluable advice.

Buying from car insurance agents

Many people still like to get advice from a local agent and doing that can be a smart decision Professional insurance agents are trained risk managers and will help you if you have claims. One of the best bonuses of comparing rates online is that you can find better rates and still buy from a local agent. And supporting local insurance agents is important particularly in Frisco.

Frisco insurance agentsTo help locate an agent, after submitting this simple form, your insurance data is submitted to agents in your area who will gladly provide quotes for your car insurance coverage. It makes it easy because there is no need to search for any insurance agencies because prices are sent to you directly. If you wish to get a rate quote for a specific company, you can always jump over to their website and fill out their quote form.

Picking an insurer requires you to look at more than just the bottom line cost. These are some questions your agent should answer.