Has it been over a year since you last compared quotes for lower-priced car insurance rates in Lufkin, TX? Do you get exhausted from sacrificing to pay your car insurance bill each month? You're in the same situation as many other Texas consumers.

Sadly, the vast majority of consumers have bought car insurance from the same company for well over three years, and just under half have never even shopped around for lower-cost coverage. Lufkin insurance shoppers could save $1,766 each year just by comparing rates, but they mistakenly think it's difficult to shop their coverage around. Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest price on car insurance.

It's important to shop coverage around quite often because insurance rates change regularly. Even if you got the best deal on car insurance a year ago you can probably find a better price now. Don't believe everything you read about car insurance out there, but in this article, you're going to get the easiest ways to stop overpaying for insurance in Lufkin.

Car insurance companies offering cheap rates in Texas

The companies in the list below provide quotes in Texas. In order to find cheap car insurance in Texas, we recommend you get rates from several of them to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Lufkin
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,278 $639 $107
Chevrolet Silverado LT Crew Cab 2WD $1,158 $579 $97
Dodge Grand Caravan CV $992 $496 $83
Dodge Ram Crew Cab ST 4WD $1,304 $652 $109
Ford Escape Limited 4WD $1,040 $520 $87
Ford Explorer Limited 2WD $1,352 $676 $113
Ford F-150 XLT Super Cab 4WD $1,270 $635 $106
Ford Focus SES 4-Dr Sedan $1,376 $688 $115
Honda Accord LX 4-Dr Sedan $1,000 $500 $83
Honda CR-V EX-L 4WD $1,112 $556 $93
Honda Civic SI 2-Dr Coupe $1,802 $901 $150
Honda Odyssey EX-L W/Rear Entertainment $1,064 $532 $89
Hyundai Sonata Limited 4-Dr Sedan $1,196 $598 $100
Jeep Grand Cherokee SRT-8 4WD $1,214 $607 $101
Nissan Altima 2.5 S 4-Dr Sedan $1,038 $519 $87
Toyota Camry XLE $1,352 $676 $113
Toyota Corolla S $1,264 $632 $105
Toyota Prius $980 $490 $82
Toyota RAV4 Sport 2WD $1,158 $579 $97
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can lower or raise premiums considerably.

Annual premiums for males compared to females in Lufkin

The information below illustrates the comparison of yearly insurance costs for male and female drivers in Lufkin. Data assumes a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium on a Hyundai Sonata Limited.

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

How accidents and tickets impact rates

The chart below shows how violations and at-fault claims can influence Ford Escape car insurance rates for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage?

The illustration below visualizes the comparison of GMC Acadia premium costs with full coverage compared to only the Texas minimum liability coverage. The prices are based on a clean driving record, no at-fault accidents, $500 deductibles, single male driver, and no other discounts are factored in.

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

Are you wasting money on full coverage?

There is no exact rule to delete comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's say your GMC Acadia replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after the deductible is paid. If premiums are more than $400 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where only buying liability is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Find more affordable auto insurance with these tips

Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are less obvious such as your credit history or your vehicle rating.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not even know about. Certain discounts will be triggered automatically when you purchase, but once in a while a discount must be asked about prior to receiving the credit.Discount insurance

Just know that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, you won't be that lucky. Any qualifying discounts will definitely reduce the premium cost.

If you would like to see a list of providers that provide some of the discounts listed above in Lufkin, click this link.

Compare rates but buy from a local neighborhood Lufkin car insurance agent

A small number of people still prefer to have an agent's advice and that can be a great decision Professional insurance agents will help you protect your assets and will help you if you have claims. The biggest benefit of price shopping on the web is you can get the lowest rates and still choose a local agent. Buying from neighborhood agents is definitely important in Lufkin.

Insurance agency in LufkinUpon completion of this form (opens in new window), your information is emailed to companies in Lufkin that give free quotes for your coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies because quoted prices will be sent to the email address you provide. If for some reason you want to compare rates for a specific company, don't hesitate to search and find their rate quote page and complete a quote there.

Selecting a company shouldn't rely on just a low price. The following questions are important to ask.

Don't listen to company ads

Consumers in Texas can't get away from ads for auto insurance savings from the likes of Allstate, GEICO and Progressive. All the companies tend to make the same promise of big savings just by moving your auto insurance policy to them.

How is it possible that every company can make the same claim? You have to listen carefully.

Different companies look for specific characteristics for the driver that will add to their bottom line. A good example of a profitable risk profile may be over age 30, has no tickets, and drives less than 7,500 miles a year. A customer that meets those criteria will get very good Lufkin car insurance rates and will probably save some money.

Potential insureds who may not quite match this ideal profile will probably be forced to pay more expensive rates which leads to business not being written. Company advertisements say "drivers that switch" not "everyone that quotes" can get the lowest rates when switching. That's the way companies can truthfully lure you into getting a quote.

Because of this risk profiling, it is so important to compare free Lufkin car insurance quotes often. It's impossible to know which auto insurance company will have the lowest prices for your situation.

Don't give up on affordable rates

When trying to cut insurance costs, don't be tempted to reduce needed coverages to save money. In many instances, an insured dropped full coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

In this article, we covered many ideas to shop for car insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company. Regional companies may only write in your state and offer lower prices than their larger competitors like State Farm, GEICO and Nationwide.

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