Would you like to save money by finding low-cost car insurance rates in Tyler, TX? Are you kicking yourself for buying an underperforming, overpriced car insurance policy? Don't sweat it because you're not the only one.

A recent study showed that the vast majority of car insurance customers have stayed with the same insurance company for at least the last four years, and nearly half have never compared rates to find affordable insurance. Texas drivers could cut their rates by approximately 70% a year just by comparing rates, but they just assume it takes a lot of time to compare rates.

Many auto insurance companies vie for your business, so it can be very hard to choose a company and uncover the absolute lowest price on car insurance.

It's a good idea to compare prices once or twice a year because car insurance prices are constantly changing. Just because you had the best price on car insurance two years ago a different company probably has better rates today. Ignore everything you know about car insurance because we're going to show you the only way to save on car insurance.

If you have coverage now, you will definitely be able to shop for the lowest rates using the ideas presented in this article. Buying the cheapest auto insurance in Tyler can be much easier if you know how to start. Although Texas vehicle owners must learn how the larger insurance companies determine premium rates because it can help you find the best coverage.

Companies offering competitive rates in Tyler, TX

The following companies are our best choices to provide quotes in Texas. If you want cheap car insurance in Texas, we recommend you visit several of them to find the lowest auto insurance rates.

Insurance Estimates for Popular Vehicles in Tyler
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,456 $728 $121
Dodge Ram Crew Cab Laramie 4WD $1,078 $539 $90
Ford Escape XLT 2WD $748 $374 $62
Ford F-150 Lariat Crew Cab Platinum 4WD $1,310 $655 $109
Ford Focus SES 4-Dr Sedan $1,556 $778 $130
Honda Accord LX-S 2-Dr Coupe $1,836 $918 $153
Honda CR-V EX 4WD $888 $444 $74
Honda Civic EX 2-Dr Coupe $1,222 $611 $102
Jeep Grand Cherokee Laredo 4WD $1,046 $523 $87
Kia Optima SX $1,492 $746 $124
Nissan Altima Hybrid 4-Dr Sedan $1,402 $701 $117
Toyota Camry LE $1,516 $758 $126
Toyota Corolla S $1,186 $593 $99
Toyota Prius $1,082 $541 $90
Toyota RAV4 4WD $1,164 $582 $97
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,156 $578 $96
Get Your Own Custom Quote Go

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 claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in vehicle location which can influence prices greatly.

Physical damage deductibles

The illustration below illustrates how your choice of deductibles and can change Kia Optima insurance prices for each different age category. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Earn discounts to get lower-cost Tyler insurance rates

Not too many consumers would say insurance is affordable, but you may qualify for discounts that many people don't even know exist. Certain discounts will be triggered automatically at quote time, but a few must be manually applied before they will apply.Insurance discounts

Don't be surprised that many deductions do not apply to the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you could get a free insurance policy, nobody gets a free ride.

If you would like to see a list of insurers that offer some of these discounts in Texas, click here.

Local Tyler insurance agents

A small number of people still prefer to visit with an insurance agent and that is not a bad decision One of the great benefits of comparing rates online is that you can find the lowest rates and still buy from a local agent.

Find insurance agent in TylerUpon completion of this quick form, your coverage information is immediately sent to insurance agents in Tyler that provide free Tyler car insurance quotes for your business. It's much easier because you don't need to visit any agencies due to the fact that quote results will go to the email address you provide. You'll get the best rates without the usual hassles of price shopping. If you have a need to get a rate quote from a specific insurance company, you can always go to their quote page and fill out the quote form the provide.

Finding the right company requires more thought than just the price. Ask your prospective agent these questions:

Well known brands might not be cheapest

Companies like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all seem to make an identical promise that people will save if you change your car insurance coverage to their company. How does every car insurance company charge less that you're paying now? It's all in how they say it.

Most companies have a certain "appetite" for the type of driver they prefer to insure. For example, this type of insured may be over the age of 35, has other policies, and has great credit. A customer that meets those criteria will get low auto insurance rates as well as pay quite a bit less when switching companies.

Potential customers who do not meet this ideal profile must pay more expensive rates and ends up with the customer not purchasing. The ads say "people who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can confidently make the claims of big savings. This really illustrates why drivers must get a wide range of price quotes. Because you cannot predict the company that will give you lower prices than your current company.

Car insurance coverages and their meanings

Understanding the coverages of car insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Comprehensive auto coverage - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, rock chips in glass and a tree branch falling on your vehicle. The most you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Collision coverages - Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It's also possible to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability - Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 30/60/25 which stand for a $30,000 limit per person for injuries, $60,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability insurance covers things such as repair bills for other people's vehicles, emergency aid and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.

UM/UIM (Uninsured/Underinsured Motorist) coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your vehicle.

Since many Texas drivers carry very low liability coverage limits (which is 30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Car insurance claims by make and model

Is your vehicle likely to have claims? The statistics below show the highest and lowest vehicle models for the probability of having to file claims for each type of coverage listed.

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Bentley Continental GTC
Ford F-350 Mercedes-Benz S Class
Volvo V60 Audi S7
Chevy Spark BMW M6
Chevy Silverado 2500 Bentley Continental GT
Infiniti QX50 Maserati Quattroporte

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Claim Frequency Highest Claim Frequency
GMC Canyon Bently Continental GT
Smart ForTwo BMW 6 Series
Nissan Xterra BMW M6
Chevrolet Colorado Maserati Ghibli
Jeep Wrangler Bentley Continental Flying Spur
Ford F-250 SuperCab Nissan GT-R

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Chevrolet Spark
Ford F-350 SuperCrew Kia Forte
Ford Expedition Nissan Sentra
Land Rover Range Rover Sport Chrysler 200
Tesla Model S Chevrolet Sonic
Ford F-250 SuperCrew Mitsubishi Lancer

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Kia Rio
Fiat 500 Mitsubishi Mirage
Subaru Forester Chevrolet Sonic
Volvo XC60 Hyndai Accent
Chevrolet Corvette Mitsubishi Lancer
Mercedes-Benz SL Class Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Find cheaper rates by being thorough

Some companies do not offer rates over the internet and many times these regional insurance providers work with independent agents. Low-cost car insurance in Tyler is available online in addition to local insurance agencies, so you should compare both to have the best selection.

We covered some good ideas how to compare car insurance auto insurance rates in Tyler. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the best auto insurance rates are with a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

More tips and info about car insurance is available in these articles: