Have you finally had enough of scraping the payment together to pay your car insurance bill each month? Your situation is no different than many other Texas consumers.

Astonishing but true, most car insurance policyholders have stayed with the same insurance company for a minimum of four years, and nearly the majority have never even compared quotes to find affordable rates. Drivers in Bellaire could save 70% a year just by shopping around, but most just don't grasp the big savings they would realize if they bought a different policy. You have so many insurance companies to pick from, and though it is a good thing to have a selection, it makes it harder to adequately compare rates.

The goal of this article is to help educate you on the best ways to compare prices and how you can save the most money. If you are insured now, you will definitely be able to lower your rates using the techniques presented in this article. Drivers just need to know the most efficient way to compare price quotes from many different companies.

Don't overlook these insurance discounts

Companies offering auto insurance don't necessarily list every available discount very well, so we break down a few of the more well known and also the more inconspicuous ways to save on insurance.Save money with discounts

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky. But any discount should help lower your policy premium.

To view insurers that offer multiple discounts in Texas, follow this link.

Most of the larger companies such as 21st Century, Allstate and State Farm give prices on their websites. Obtaining pricing is quite easy as all you need to do is type in your required coverages as requested by the quote form. Upon sending the form, the company's rating system orders credit information and your driving record and provides a quote based on many factors. This makes comparing rates easy, and it is important to do this if you are searching for the most affordable premium possible.

To compare rates using this form now, check out the car insurance providers below. If you currently have coverage, we recommend that you enter the coverages just like they are on your policy. This makes sure you will receive a rate comparison for exact coverage.

The companies in the list below have been selected to offer price comparisons in Bellaire, TX. In order to find the best car insurance in Texas, we suggest you visit as many as you can in order to find the most competitive rates.

Insurance Cost Estimates for Popular Vehicles in Bellaire
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,224 $612 $102
Chevrolet Malibu LS $1,308 $654 $109
Chevrolet Silverado LTZ Extended Cab 4WD $1,108 $554 $92
Dodge Ram Crew Cab TRX 2WD $1,284 $642 $107
Ford Escape XLT 2WD $1,082 $541 $90
Ford F-150 XLT Super Cab 2WD $1,072 $536 $89
Ford Focus SES 2-Dr Coupe $1,254 $627 $105
Honda Accord LX-S 2-Dr Coupe $1,342 $671 $112
Honda CR-V EX-L 2WD $870 $435 $73
Honda Civic LX 4-Dr Sedan $1,016 $508 $85
Hyundai Elantra GLS 4-Dr Sedan $1,118 $559 $93
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,068 $534 $89
Kia Optima SX $1,126 $563 $94
Nissan Altima 3.5 SR 4-Dr Sedan $1,786 $893 $149
Toyota Camry XLE $1,084 $542 $90
Toyota Corolla LE $1,588 $794 $132
Toyota Prius $972 $486 $81
Volkswagen Jetta SE 2.5 Station Wagon $1,532 $766 $128
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle location which can revise rates substantially.

Choosing deductibles

The example below demonstrates how deductible levels and can change Kia Optima premium costs for different categories of driver ages. The prices are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

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

Cost difference between full coverage and liability

The diagram below shows the difference between GMC Acadia insurance premiums when comparing full coverage to liability only. The premiums assume no accidents, no driving violations, $250 deductibles, single male driver, and no policy discounts are applied.

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

When to buy liability coverage only

There is no definitive guideline for excluding physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's say your GMC Acadia claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying your deductible. If you are paying more than $300 annually for full coverage, then it may be the right time to buy liability only.

There are a few cases where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Impact of violations and accidents on rates

The example below demonstrates how traffic citations and at-fault claims can affect Hyundai Elantra insurance costs for each age group. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

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

When to get professional advice

When buying your policy for your personal vehicles, there isn't really a best way to insure your cars. Each situation is unique and a cookie cutter policy won't apply.Safe vehicles cost less to insure For example, these questions might point out if your situation may require specific advice.

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Car insurance agents near you

A lot of people still prefer to visit with an insurance agent and that is recommended in a lot of cases Most agents can point out coverage gaps and help file insurance claims. An additional benefit of comparing rates online is that you can obtain the lowest rates but still work with a licensed agent. And buying from neighborhood insurance agencies is especially important in Bellaire.

Bellaire insurance agentsAfter completing this simple form, your coverage information is instantly submitted to local insurance agents who will return price quotes and help you find cheaper coverage. You won't even need to contact an agency as quotes are delivered straight to your inbox. If you have a need to get a comparison quote from a specific company, you would need to visit that company's website and complete a quote there.

Picking the best company is decision based upon more than just a cheap price quote. The following questions are important to ask.

Best and worst vehicle claim statistics

What are the chances of a claim? The following claim statistics show the worst and best vehicles for likelihood of having to file claims orgainized by coverage.

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Chevrolet Impala
Fiat 500 Kia Optima
Subaru Outback Hyndai Accent
Chevrolet Corvette Mitsubishi Mirage
Audi A6 Dodge Charger
Subaru Forester Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Collision Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Bentley Continental Flying Spur
Ford Edge Maserati Granturismo
Mini Cooper Audi RS7
GMC Canyon Nissan GT-R
Ford F-250 SuperCab BMW 6 Series
Nissan Xterra Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 BMW M6
Volvo V60 Maserati Quattroporte
Smart ForTwo Audi S7
Nissan Xterra Maserati Granturismo
Nissan Leaf Porsche Panamera GTS
Chevy Spark Bentley Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Dodge Charger
Audi A4 Allroad Hyundai Accent
Chevrolet Silverado 2500 Mitsubishi Mirage
Tesla Model S Chrysler 200
Ford F-250 SuperCrew Nissan Sentra
Land Rover Range Rover Sport Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Persistence pays off

When buying insurance coverage, never buy less coverage just to save a little money. In many cases, an insured dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible for the lowest price.

You just read many ways to reduce auto insurance rates online in Bellaire. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive Bellaire car insurance quotes. Consumers may even find the best rates are with some of the lesser-known companies. These companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

Cheaper auto insurance in Bellaire is available online and from local insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who do not provide rate quotes online and many times these regional carriers provide coverage only through local independent agencies.

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