Would you like an easy way to compare the cheapest insurance rates in Waxahachie, TX? Waxahachie drivers have many options when trying to find affordable car insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons.
There are more efficient ways to find insurance online and you need to know the best way to compare rates for a new or used and obtain the best price possible from both online companies and Waxahachie agents.
Amazingly, a recent NerdWallet.com study showed that a large majority of drivers have bought insurance from the same company for more than four years, and 38% of drivers have never even compared rates from other companies. Many consumers in Waxahachie can save hundreds of dollars each year, but they assume it's a waste of time to compare other rate quotes.
It's important to do price comparisons as often as possible due to the fact that insurance rates are usually higher with each renewal. Even if you got the lowest rate on insurance last year there may be better deals available now. Forget all the misinformation about insurance because you're about to find out the proper way to find the best coverage while lowering your premiums.
If you have a policy now or just want a better rate, you will benefit by learning to lower your rates and possibly find even better coverage. The purpose of this post is to teach you how car insurance companies work and some tricks to saving. Vehicle owners just have to understand the tricks to get comparison rates from many different companies.
Get discounts to get affordable Waxahachie car insurance quotes
Car insurance is easily one of your largest bills, but you might already qualify for some discounts to reduce the price significantly. Some of these discounts will be visible at the time of purchase, but occasionally some discounts must be asked about before being credited.
- Passive Restraint Discount - Cars that have air bags can qualify for discounts of 20% or more.
- E-sign - Some of the larger companies will give you a small discount get Waxahachie auto insurance on the internet.
- Drivers Education - Have your child complete a driver education course in school or through a local driver safety program.
- Student in College - Children living away from Waxahachie attending college and don't have a car may be insured at a cheaper rate.
- Anti-lock Brake System - Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Anti-theft System - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
- First Accident Forgiveness - Not really a discount, but companies like State Farm and GEICO allow you one accident before they charge you more for coverage as long as you don't have any claims for a particular time prior to the accident.
- Defensive Driving Course - Participating in a safe driver course could save 5% or more depending on where you live.
- Good Students Pay Less - Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
- Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way. But all discounts will help lower your overall premium however.
Companies and some of the discounts are included below.
- GEICO may offer discounts for anti-theft, defensive driver, good student, air bags, and military active duty.
- Travelers has savings for multi-policy, continuous insurance, early quote, good student, multi-car, home ownership, and payment discounts.
- Nationwide policyholders can earn discounts including easy pay, multi-policy, family plan, anti-theft, and accident-free.
- Farmers Insurance discounts include early shopping, homeowner, good student, bundle discounts, and switch companies.
- Esurance may include discounts for homeowner, multi-policy, safety device, DriveSense, anti-lock brakes, and online quote.
- State Farm includes discounts for Steer Clear safe driver discount, defensive driving training, good student, accident-free, safe vehicle, multiple policy, and passive restraint.
- Progressive may have discounts that include continuous coverage, multi-vehicle, good student, multi-policy, online quote discount, online signing, and homeowner.
- Mercury Insurance offers premium reductions for type of vehicle, location of vehicle, anti-theft, age of vehicle, multi-car, annual mileage, and multi-policy.
Before purchasing a policy, check with every prospective company which credits you are entitled to. All car insurance discounts might not be offered in your area. To see insurance companies that have a full spectrum of discounts in Waxahachie, click here to view.
All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get pricing on the web. Comparing auto insurance rates online doesn't take much effort as you just type in the coverage amounts you desire as requested by the quote form. After you complete the form, the company's rating system collects your credit score and driving record and returns pricing information.
Quoting online makes comparing rates easy, and it is imperative to have as many quotes as possible if you want to find the lowest payment on auto insurance.
In order to get comparison pricing now, check out the auto insurance providers below. If you have your current policy handy, we recommend you input the coverages exactly as they are listed on your policy. Doing this assures you will have a fair comparison using the exact same coverages.
The auto insurance companies shown below offer comparison quotes in Waxahachie, TX. To get cheaper auto insurance in Texas, we suggest you click on several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LT||$1,004||$502||$84|
|Chevrolet Silverado LT Extended Cab 4WD||$1,152||$576||$96|
|Dodge Ram Quad Cab Laramie 4WD||$1,078||$539||$90|
|Ford Edge SE 2WD||$1,102||$551||$92|
|Ford Escape Limited 2WD||$1,264||$632||$105|
|Ford F-150 FX2 2WD||$1,034||$517||$86|
|Ford Focus SES 4-Dr Sedan||$1,226||$613||$102|
|GMC Sierra SLE Crew Cab 2WD||$1,378||$689||$115|
|Honda Accord EX-L 4-Dr Sedan||$1,060||$530||$88|
|Honda CR-V LX 4WD||$854||$427||$71|
|Honda Civic LX-S 4-Dr Sedan||$1,186||$593||$99|
|Honda Odyssey EX W/Rear Entertainment||$1,172||$586||$98|
|Hyundai Sonata SE 4-Dr Sedan||$1,296||$648||$108|
|Jeep Grand Cherokee Laredo 2WD||$1,516||$758||$126|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,446||$723||$121|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,172||$586||$98|
|Nissan Rogue SL AWD||$1,328||$664||$111|
|Toyota Camry LE||$1,634||$817||$136|
|Toyota Corolla XLE||$1,404||$702||$117|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in specific zip code location which can influence auto insurance rates greatly.
Car insurance premiums based on gender
The chart below illustrates the comparison of annual premium costs for male and female drivers in Waxahachie. The price estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium on a GMC Acadia SLE.
GMC Acadia rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
How careless driving impacts car insurance rates
The diagram below shows how violations and fender-benders can influence Hyundai Elantra yearly insurance costs for each age group. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Your situation helps dictate your coverage
When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. These are some specific questions could help you determine if you will benefit from professional help.
- What does roadside assistance cover?
- Should I rate my vehicle as business use?
- What are the best liability limits?
- Do I pay less for low miles?
- What is medical payments coverage?
- Do they offer discounts for home and auto coverage?
- Is my teenager covered with friends in the car?
If you don't know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.
Are insurance agencies used anymore?
Some people prefer to sit down and talk to an agent and that is a personal choice. Professional insurance agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that you can find better rates and still buy from a local agent. And providing support for local insurance agents is important particularly in Waxahachie.
After completing this form (opens in new window), the quote information is transmitted to agents in your area that can give you free Waxahachie auto insurance quotes for your auto insurance coverage. You won't need to contact an agency since price quotes are sent to your email. If you want to get a rate quote from a specific insurance company, feel free to navigate to their website and submit a quote form there.
When finding local Waxahachie agents, you need to know there are two different types of agents and how they can write your policy. Auto insurance agencies may be either exclusive or independent agents depending on their company appointments. Both types of agents can sell auto insurance policies, but it's good to learn why they differ since it can affect the type of agent you choose.
Independent Auto Insurance Agents
Independent agencies do not sell for just one brand so as a result can place your coverage through many companies enabling the ability to shop coverage around. If they quote lower rates, your agent can switch companies and you won't have to switch agencies. If you are trying to find cheaper rates, you definitely need to include independent agents to have the most options to choose from. They often place coverage with different regional companies who may have lower rates.
Agents that elect to be exclusive normally can only provide a single company's rates such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets. Some consumers prefer to choose to use an exclusive agent primarily because of the brand and the convenience of having a single billing for all their coverages.
Picking an auto insurance agent should include more criteria than just the bottom line cost. Any agent in Waxahachie should have no problem answering these questions:
- Will a damage claim use OEM or aftermarket replacement parts?
- Are claim adjusters local or do you have to take your car somewhere else?
- How are claims handled?
- What companies can they write with?
- Does the agency have a positive business rating?
- Do they specialize in personal lines auto insurance in Waxahachie?
More effort can pay off
Some companies do not offer price quotes online and these small insurance companies only sell coverage through independent agents. Discount car insurance is definitely available online as well as from independent agents in Waxahachie, and you should compare price quotes from both to get a complete price analysis.
As you shop your coverage around, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced collision coverage only to regret that it was a big mistake. Your goal is to purchase a proper amount of coverage for the lowest price, but don't skip important coverages to save money.
- Airbag FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Auto Insurance Basics (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)