Locating low-cost insurance for a new or used car in Texas can normally be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to buy car insurance so you're going to learn the quickest way to compare rates for a and locate the best price possible.

If you have a policy now or are just looking to switch companies, you will benefit by learning to find better prices without having to cut coverage. Finding and comparing the most affordable auto insurance in Dickinson is not that difficult. Smart shoppers just have to use the quickest way to compare different rates from many different companies online.

Best companies for Texas auto insurance

The companies shown below are our best choices to provide free rate quotes in Texas. If multiple companies are listed, we recommend you visit as many as you can to get the most affordable price.

Insurance Estimates for Popular Vehicles in Dickinson
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,142 $571 $95
Chevrolet Silverado LTZ Crew Cab 4WD $1,472 $736 $123
Dodge Ram Quad Cab Sport 4WD $1,310 $655 $109
Ford Edge Limited AWD $1,084 $542 $90
Ford Escape Limited 4WD $930 $465 $78
Ford F-150 FX4 4WD $1,026 $513 $86
Ford Focus SEL 4-Dr Sedan $1,250 $625 $104
Honda Accord LX 4-Dr Sedan $968 $484 $81
Honda CR-V LX 2WD $1,016 $508 $85
Honda Civic LX 2-Dr Coupe $1,656 $828 $138
Hyundai Elantra Blue 4-Dr Sedan $1,306 $653 $109
Jeep Wrangler Rubicon 4WD 2-Dr $1,240 $620 $103
Nissan Altima Hybrid 4-Dr Sedan $1,642 $821 $137
Nissan Rogue SL 2WD $1,370 $685 $114
Toyota Camry Hybrid $1,518 $759 $127
Toyota Corolla XRS $1,378 $689 $115
Toyota Prius $832 $416 $69
Toyota RAV4 2WD $1,164 $582 $97
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,386 $693 $116
Get Your Own Custom Quote Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in your specific Dickinson location which can revise auto insurance rates considerably.

How accidents and violations affect rates in Dickinson

The chart below demonstrates how citations and at-fault accidents can increase Ford F-150 car insurance costs for different ages of insureds. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Companies offer many discounts on insurance

The price of auto insurance can be rather high, but there's a good chance there are discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but less common discounts must be specially asked for prior to getting the savings.Discount insurance

Discounts lower rates, but most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, insurance companies aren't that generous.

Popular insurance companies and a summarized list of policyholder discounts are detailed below.

If you need lower rates, check with all the companies which discounts they offer. Savings might not be offered in Dickinson. To find companies who offer discounts in Texas, click here.

Insurance advertising tricks

Texas drivers can't ignore all the ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all try to convey promises of big savings just by moving your coverage.

That's great but how can every company cost less than your current company? It's all in the words they use.

All the different companies offer their best rates for the type of driver that will most likely be profitable. A good example of this type of risk profile should be over age 30, has other policies, and drives a safe vehicle. Anybody who meets those qualifications will probably get cheap prices and will pay quite a bit less when switching companies.

Insureds who don't qualify for this ideal profile will see a higher rate which leads to the customer not purchasing. The wording the ads use say "customers who switch" not "everyone who quotes" can get the lowest rates when switching. That's why insurance companies can confidently make the claims of big savings.

Because of the profiling, you should compare many company's rates. It is impossible to predict which insurance companies will have the lowest rate quotes.

Best and worst vehicle claim statistics

Which vehicles rank well for chances of having claims? The tables below show the worst and best vehicles for overall likelihood of having to file claims for each type of coverage.

Collision Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper BMW 6 Series
Smart ForTwo Audi RS7
Jeep Wrangler Nissan GT-R
Ford F-250 SuperCab Bently Continental GTC
Nissan Xterra BMW M6
GMC Canyon Maserati Ghibli

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

Lowest and Highest Auto Insurance Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Chevrolet Impala
Acura MDX Dodge Charger
Subaru Outback Kia Optima
Volvo XC60 Kia Rio
Fiat 500 Mitsubishi Lancer
Subaru Forester Chevrolet Sonic

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

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 Bentley Continental GT
Nissan Xterra Maserati Quattroporte
Smart ForTwo BMW M6
Ford F-350 BMW M6
GMC Sierra 2500 Audi S7
Volvo V60 Bentley Continental GTC

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

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford Expedition Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Silverado 2500 Dodge Charger
Chevrolet Corvette Nissan Sentra
Audi A4 Allroad Chrysler 200
Chevrolet Silverado 3500 Nissan Versa

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

In Summary

As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped uninsured motorist or liability limits and learned later they didn't purchase enough coverage. Your strategy should be to get the best coverage possible at the best possible price, not the least amount of coverage.

Insureds change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, questionable increases in premium or high prices. Regardless of your reason for switching companies, switching companies can be easier than you think.

We've covered a lot of tips how to save on insurance in Dickinson. The key thing to remember is the more price quotes you have, the higher your chance of finding low cost Dickinson car insurance quotes. You may even discover the lowest premium rates come from a small mutual company.

More tips and info about insurance is available by following these links: