How many times have you put off comparing quotes for more competitive auto insurance rates in Deer Park, TX? Trying to find low-cost insurance for your car in Texas can turn out to be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to buy auto insurance and you need to know the proper way to compare rates on a and find the best price possible.
If you have insurance now or are shopping for new coverage, take advantage of these tips to reduce the price you pay and still have adequate protection. Pricing the lowest cost car insurance in Deer Park is easy to do. Consumers just need to use the most effective way to compare insurance rates online from multiple companies.
Car insurance companies in Texas
The car insurance companies shown below can provide free rate quotes in Texas. If you want the best cheap car insurance in Texas, we recommend you get prices from several of them in order to find the most competitive rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 4WD||$1,082||$541||$90|
|Chevrolet Equinox LT AWD||$1,324||$662||$110|
|Chevrolet Silverado LT Regular Cab||$1,056||$528||$88|
|Dodge Ram Crew Cab Sport 4WD||$1,496||$748||$125|
|Ford Escape XLT 4WD||$876||$438||$73|
|Ford F-150 XL Crew Cab 2WD||$1,128||$564||$94|
|Ford Focus SES 4-Dr Sedan||$1,406||$703||$117|
|GMC Sierra SLT Crew Cab 4WD||$1,374||$687||$115|
|Honda Accord EX 2-Dr Coupe||$1,352||$676||$113|
|Honda CR-V EX 2WD||$1,278||$639||$107|
|Honda Civic EX 2-Dr Coupe||$1,854||$927||$155|
|Hyundai Sonata Limited 4-Dr Sedan||$1,704||$852||$142|
|Jeep Grand Cherokee Limited 2WD||$1,466||$733||$122|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,554||$777||$130|
|Nissan Rogue S AWD||$1,078||$539||$90|
|Toyota Camry LE||$888||$444||$74|
|Toyota Corolla S||$1,222||$611||$102|
|Toyota RAV4 Limited 4WD||$1,200||$600||$100|
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rates do not factor in zip code location which can revise coverage rates considerably.
Comparison of full coverage and liability-only policies
The illustration below illustrates the comparison of Dodge Ram auto insurance rates when comparing full coverage to state minimum liability only. Data assumes no accidents, no driving violations, $100 deductibles, single male driver, and no discounts are taken into consideration.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you be buying full coverage?
There is no specific rule of when to stop paying for full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let's say your Dodge Ram book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after the policy deductible has been paid. If premiums are more than $500 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where eliminating full coverage is not advised. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Should you be buying full coverage?
There is no set guideline of when to eliminate full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let's say your Chevrolet Cruze replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after the policy deductible has been paid. If premium cost is more than $300 annually for full coverage, then you might consider buying liability only.
There are some situations where dropping full coverage is not in your best interest. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Physical damage deductible comparison
One of the most common car insurance questions is at what level do you set your deductibles. The tables below can help you understand the costs and benefits of buying low and high physical damage coverage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price table uses a $500 deductible.
GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$286||$486||$382||$22||$114||$1,315||$110|
|Acadia SL AWD||$328||$486||$382||$22||$114||$1,357||$113|
|Acadia SLE 2WD||$328||$486||$382||$22||$114||$1,357||$113|
|Acadia SLE AWD||$328||$592||$382||$22||$114||$1,463||$122|
|Acadia SLT 2WD||$328||$592||$382||$22||$114||$1,463||$122|
|Acadia SLT AWD||$370||$592||$382||$22||$114||$1,505||$125|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$208||$328||$382||$22||$114||$1,054||$88|
|Acadia SL AWD||$240||$328||$382||$22||$114||$1,086||$91|
|Acadia SLE 2WD||$240||$328||$382||$22||$114||$1,086||$91|
|Acadia SLE AWD||$240||$400||$382||$22||$114||$1,158||$97|
|Acadia SLT 2WD||$240||$400||$382||$22||$114||$1,158||$97|
|Acadia SLT AWD||$270||$400||$382||$22||$114||$1,188||$99|
|Get a Quote for Your Vehicle Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific Deer Park garaging location which can affect prices greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $24 more each month or $288 every year than buying the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 17 months between claims, you would save more money if you choose the higher deductible.
Discounts mean cheaper rates
Insuring your fleet can be pricey, but you may qualify for discounts that many people don't even know exist. Some of these discounts will be visible when you quote, but less common discounts must be specifically requested before being credited.
- Good Driver Discount - Drivers who don't get into accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
- Paperwork-free - A few larger online companies will give you a small discount for completing your application on their website.
- Low Mileage - Driving fewer miles may enable drivers to earn lower premium rates on the low mileage vehicles.
- Life Insurance - Some insurance companies give a lower rate if you buy some life insurance too.
- Driver's Education for Students - Teen drivers should complete a driver education course if offered at their school.
- Driving Data Discount - Deer Park drivers who agree to allow their insurance company to track their driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system may see discounts as long as they are good drivers.
- Multiple Cars - Buying coverage for multiple vehicles on the same insurance policy can reduce the rates for all insured vehicles.
It's important to understand that some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, you aren't that lucky.
Large insurance companies and some of the premium reductions they offer can be read below.
- The Hartford may include discounts for good student, defensive driver, vehicle fuel type, driver training, air bag, bundle, and anti-theft.
- American Family may offer discounts for Steer into Savings, good driver, mySafetyValet, early bird, TimeAway discount, defensive driver, and bundled insurance.
- Progressive has discounts for continuous coverage, multi-policy, good student, homeowner, online quote discount, and multi-vehicle.
- Travelers policyholders can earn discounts including good student, save driver, continuous insurance, student away at school, hybrid/electric vehicle, and payment discounts.
- Farmers Insurance has savings for pay in full, mature driver, homeowner, business and professional, and bundle discounts.
- USAA offers discounts including multi-policy, good student, vehicle storage, multi-vehicle, and defensive driver.
- Liberty Mutual discounts include hybrid vehicle, teen driver discount, preferred payment discount, safety features, and new move discount.
If you need lower rates, check with every company which discounts they offer. Some discounts listed above might not be available to policyholders in your state. To view insurance companies with the best insurance discounts in Deer Park, click this link.
Learn how to quote car insurance cheaper
Consumers need to have an understanding of some of the elements that help determine your car insurance rates. If you have a feel for what determines base rates, this enables informed choices that may reward you with big savings. Many different elements are part of the equation when quoting car insurance. Some factors are common sense like a motor vehicle report, although some other factors are less apparent such as your credit history or how financially stable you are.
How much liability do you need? - The liability section of your policy provides coverage in the event that you are ruled to be at fault for causing personal injury or damage in an accident. This coverage provides legal defense coverage starting from day one. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
More people means more accidents - Being located in less populated areas of the country is a good thing when shopping for auto insurance. Less people living in that area means reduced accidents and lower theft and vandalism rates. Urban drivers tend to have traffic congestion and higher rates of accident claims. The longer drive time can result in more accidents.
Claim-free discounts can add up - Insurance companies in Texas provide the lowest premiums to drivers who do not file claims often. If you frequently file small claims, you can expect much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
Increase physical damage deductibles to save - Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered are a dented fender, hitting a deer, or theft. The deductibles you choose are the amount of money you are willing to pay in the event of a claim. The larger the amount you are required to pay out-of-pocket, the lower your rates will be.
Insurance costs and driver gender - Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, don't assume that males are worse at driving than females. Women and men cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
How to know if you need help
Keep in mind that when it comes to choosing proper insurance coverage, there really is no perfect coverage plan. You are unique and your auto insurance should be unique as well. For instance, these questions may help you determine if your insurance needs would benefit from professional advice.
- When should I have rental car coverage?
- Is my state a no-fault state?
- I have health insurance so do I need medical payments coverage?
- Does my policy cover me when driving someone else's vehicle?
- Do I need replacement cost coverage?
- What is the minimum liability in Texas?
- What does medical payments coverage do?
- Is coverage enough to protect my assets?
- Where can I get insurance after a DUI in Texas?
- Am I covered if I hit a deer?
If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.
Do I need an insurance agent?
Some consumers would prefer to have an agent's advice and that is just fine! Professional insurance agents can help you choose the best coverages and give you someone to call. A nice benefit of comparing insurance prices online is you may find cheap auto insurance rates and still have a local agent.
To find an agent, once you fill out this simple form, your coverage information is submitted to agents in your area who can give free rate quotes for your insurance coverage. It's much easier because you don't need to drive around because prices are sent directly to your email. If for some reason you want to get a price quote from a specific auto insurance provider, you just need to navigate to their website and give them your coverage information.
Finding the right insurance company shouldn't rely on just the bottom line cost. Agents should be asked these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they specialize in personal lines coverage in Deer Park?
- Are they properly licensed to sell insurance in Texas?
- Where would your vehicle be repaired?
- Will they make sure you get an adequate claim settlement?
- Is there a Errors and Omissions policy in force?
- Do the agents have professional certifications like CPCU or CIC?
The auto insurance bait and switch
Consumers in Texas can't get away from ads that claim the best premium rates by GEICO, State Farm and Progressive. They all advertise the message that you'll save big if you switch to their company.
How does each company make the same claim? This is the way they can do it.
Insurance companies offer their best rates for a prospective insured that earns them a profit. An example of a desirable insured might be described as over the age of 50, carries high limits, and drives less than 7,500 miles a year. Someone that hits that "sweet spot" will get the preferred rates in Deer Park and is almost guaranteed to save some money.
Potential insureds who fall outside these criteria may be forced to pay higher prices with the end result being the customer buying from a different company. The trick companies use is to say "drivers who switch" not "all people who quote" can get the lowest rates when switching. This is how companies can truthfully make it sound like they have such great car insurance rates. This emphasizes why you really need to quote coverage with many companies. It's impossible to know with any certainty which company will have better rates than you're paying now.
One last thing to lower rates
More affordable car insurance in Deer Park can be purchased both online and from local agencies, so you need to quote Deer Park car insurance with both to have the best chance of lowering rates. A few companies don't offer rate quotes online and usually these smaller companies prefer to sell through independent agents.
In this article, we presented many tips how you can reduce car insurance rates online in Deer Park. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with the least-expected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
More detailed car insurance information is available at these sites:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for Nurses in Texas? (FAQ)
- Who Has the Cheapest Car Insurance for a Company Car in Texas? (FAQ)
- Who Has Affordable Texas Car Insurance Rates for College Graduates? (FAQ)
- How Much is Texas Auto Insurance for Drivers with Good Credit? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Rental Reimbursement Coverage (Allstate)