Would you like to save money by finding cheaper car insurance rates in Palestine, TX? Palestine buyers have lots of choices when searching for the lowest priced car insurance. You can either spend your time driving around to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to find car insurance online so we're going to tell you the absolute fastest way to compare rates for a new or used and locate the lowest possible price from both online companies and Palestine agents.

Consumers need to compare prices quite often because car insurance prices change frequently. Just because you had the lowest price on car insurance six months ago other companies may now be cheaper. You'll find a ton of advice on car insurance out there, but in a few minutes you can learn some proven techniques to quit paying high car insurance rates in Palestine.

Auto insurance companies in Texas

The auto insurance companies shown below offer free rate quotes in Palestine, TX. If you wish to find cheaper car insurance in Texas, it's highly recommended you visit several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Palestine
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,350 $675 $113
Chevrolet Silverado LTZ Crew Cab 2WD $1,546 $773 $129
Dodge Ram Crew Cab Sport 4WD $1,582 $791 $132
Ford Escape XLS 4WD $886 $443 $74
Ford Explorer XLT 2WD $1,216 $608 $101
Ford F-150 FX4 4WD $906 $453 $76
Ford Focus SE 4-Dr Sedan $988 $494 $82
Honda Accord EX-L 4-Dr Sedan $1,250 $625 $104
Honda CR-V EX 4WD $974 $487 $81
Honda Civic DX 2-Dr Coupe $1,374 $687 $115
Honda Odyssey EX-L $1,222 $611 $102
Hyundai Sonata SE 4-Dr Sedan $1,016 $508 $85
Jeep Grand Cherokee Limited 2WD $1,402 $701 $117
Nissan Altima Hybrid 4-Dr Sedan $1,238 $619 $103
Toyota Camry LE $1,158 $579 $97
Toyota Corolla LE $1,396 $698 $116
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can impact premium rates substantially.

Physical damage deductibles: Should you raise them?

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The tables below approximate the premium difference of buying low and high insurance deductibles. The first rate table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

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

Hyundai Elantra insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $286 $486 $324 $20 $96 $1,237 $103
Elantra Blue 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Elantra GLS 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Elantra SE 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Elantra SE Touring Station Wagon $328 $592 $324 $20 $96 $1,385 $115
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Hyundai Elantra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $208 $328 $324 $20 $96 $976 $81
Elantra Blue 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Elantra GLS 4-Dr Sedan $240 $472 $382 $22 $114 $1,230 $103
Elantra SE 4-Dr Sedan $240 $472 $382 $22 $114 $1,230 $103
Elantra SE Touring Station Wagon $240 $400 $324 $20 $96 $1,080 $90
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in garaging location in Palestine which can alter rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $26 more each month or $312 each year than quoting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Responsible drivers pay cheaper auto insurance rates

The example below shows how violations and accidents raise Ford Fusion insurance costs for different age groups. The premiums assume a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

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

An analysis of deductible level

The chart below demonstrates how deductibles and can affect Ford Fusion yearly insurance costs for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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

Do you qualify for discounts on car insurance?

Car insurance can cost a lot, but there could be significant discounts that could drop your premiums quite a bit. Certain reductions will be credited when you quote, but less common discounts must be specifically requested before they will apply.Save money with discounts

Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride. But any discount should help lower the amount you pay for coverage.

The best car insurance companies and some of the discounts are outlined below.

When comparing rates, check with every company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in Palestine.

What impacts Palestine insurance policy rates?

Multiple criteria are considered when quoting car insurance. Some factors are common sense such as your driving history, but some are less apparent like where you live or your vehicle rating.

The factors shown below are just a few of the factors used by companies to determine prices.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage for your personal vehicles, there really isn't a perfect coverage plan. Your financial needs are unique.Drive safe and save

For example, these questions may help highlight whether or not you will benefit from professional help.

If you can't answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Can't I compare prices from local Palestine insurance agencies?

Many drivers would prefer to visit with an insurance agent. Professional agents can make sure you are properly covered and help in the event of a claim. One of the benefits of comparing insurance prices online is that drivers can save money and get lower rates and still choose a local agent. And supporting local insurance agencies is important particularly in Palestine.

Insurance agents in PalestineTo find an agent, once you fill out this short form, your insurance coverage information is instantly submitted to participating agents in Palestine that provide free Palestine auto insurance quotes for your insurance coverage. You don't have to drive around due to the fact that quote results will go to the email address you provide. If for some reason you want to get a rate quote from a specific insurance company, you can always go to their quote page and complete a quote there.

Finding the right company should include more criteria than just the price. A good agent in Palestine will have answers to these questions.

Does insurance advertising bend the truth?

Texas drivers can't get away from ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. All the companies make the point about savings just by switching your insurance policy to them.

How does every insurance company say the same thing? It's all in the wording.

Insurance companies have specific criteria for the type of driver that earns them the highest profit. For example, a desirable insured could be over age 30, has a clean driving record, and chooses high deductibles. A driver who matches those parameters receive the lowest rate quotes in Palestine and as a result will probably save if they switch.

Potential customers who don't meet these stringent criteria will probably have to pay more expensive rates which translates to the customer not buying. The ads say "people who switch" not "everybody who quotes" save that much when switching. That's why companies can truthfully make those statements.

Because of the profiling, you absolutely need to get a wide range of price quotes. It is just not possible to predict with any certainty which company will provide the lowest insurance in Palestine.

Auto insurance claim statistics

Does your vehicle tend to have claims? The next tables show the worst and best vehicles for likelihood of filing claims organized by coverage.

Vehicle Make and Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Nissan Leaf Mercedes-Benz S Class
Volvo V60 Porsche Panamera GTS
Ford F-350 Bentley Continental GT
Chevy Spark BMW M6
Smart ForTwo Audi S7
GMC Sierra 2500 Maserati Quattroporte

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 Kia Forte
Tesla Model S Chrysler 200
Audi A4 Allroad Hyundai Accent
Chevrolet Corvette Chevrolet Sonic
Land Rover Range Rover Sport Nissan Versa
Ford F-350 SuperCrew Chevrolet Spark

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

Collision Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Ferrari 458
Ford F-150 SuperCrew Bentley Continental Flying Spur
GMC Canyon Bently Continental GT
Smart ForTwo BMW M6
Mini Cooper Audi RS7
Jeep Wrangler Maserati Granturismo

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

Vehicles with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Volvo XC60 Kia Rio
Mercedes-Benz SL Class Chevrolet Impala
Audi A6 Dodge Charger
Fiat 500 Chevrolet Sonic
Chevrolet Corvette Mitsubishi Mirage
Subaru Forester Hyndai Accent

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

Affordable coverage is out there

As you prepare to switch companies, never buy poor coverage just to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

Cheaper auto insurance in Palestine can be sourced from both online companies and also from your neighborhood Palestine agents, so you need to quote Palestine auto insurance with both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and most of the time these regional carriers work with local independent agents.

Drivers change insurance companies for a number of reasons such as denial of a claim, not issuing a premium refund, delays in paying claims or lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

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