Comparing and finding more affordable rates for auto insurance can be a challenge for beginners to online price comparisons. With a ridiculous number of online companies, it can turn into a difficult situation to find a cheaper company.
Unthinkable but true, a large majority of drivers kept their coverage with the same auto insurance company for over three years, and 38% of customers have never even shopped around for affordable coverage. Consumers in the U.S. could save about $850 a year, but they mistakenly think it's difficult to go online and compare rates.
You should take the time to compare premium rates once or twice a year because prices trend upward over time. Even if you got the best quotes on auto insurance last year there may be better deals available now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the right way to find great coverage at a great price.
Auto insurance companies offering competitive rate quotes in Texas
The auto insurance companies shown below provide price quotes in Texas. If you wish to find cheap auto insurance in Texas, we suggest you click on several of them to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Regular Cab 2WD||$1,354||$677||$113|
|Dodge Ram Crew Cab Laramie 2WD||$1,148||$574||$96|
|Ford Escape XLT 4WD||$856||$428||$71|
|Ford Explorer Eddie Bauer 2WD||$944||$472||$79|
|Ford F-150 XL Regular Cab 2WD||$1,176||$588||$98|
|Ford Focus SE 4-Dr Sedan||$1,142||$571||$95|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,036||$518||$86|
|Honda Accord LX-P 4-Dr Sedan||$1,086||$543||$91|
|Honda CR-V LX 2WD||$1,016||$508||$85|
|Honda Civic DX 4-Dr Sedan||$1,422||$711||$119|
|Honda Odyssey EX-L||$1,276||$638||$106|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,084||$542||$90|
|Nissan Altima Hybrid 4-Dr Sedan||$970||$485||$81|
|Toyota Camry Hybrid||$1,512||$756||$126|
|Toyota Corolla XLE||$1,118||$559||$93|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,058||$529||$88|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can revise coverage prices significantly.
Physical damage deductibles
The illustration below illustrates how choosing a deductible and can raise or lower Chevrolet Silverado insurance prices for different age groups. Data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Irresponsible driving raises your rates
The diagram below highlights how traffic violations and fender-benders influence Honda Accord insurance prices for each different age category. The information is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Insurance premiums by gender
The information below illustrates the comparison of insurance prices for male and female drivers in Huntsville. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied to the premium on a Honda Accord LX.
Honda Accord rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
How to lower your insurance premiums
An important part of buying insurance is that you know the different types of things that go into determining the price you pay for insurance. If you understand what influences your rates, this helps enable you to make changes that will entitle you to lower insurance prices. Lots of factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other criteria are less obvious such as whether you are married or your commute time.
Insurance prices are higher for high performance vehicles - The type of car or truck you drive makes a significant difference in determining your rates. Economy passenger cars usually have the lowest premiums, but the final cost of insurance is determined by many other factors.
Rural vs Urban Areas - Living in small towns and rural areas can be a good thing when shopping for auto insurance. Drivers who live in large cities tend to have much more traffic and much longer commute distances. Fewer people translates into fewer accident claims in addition to lower liability claims
Lower insurance rates with GPS tracking and theft deterrents - Driving a car with advanced anti-theft systems can save you some money. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
Put fewer miles on your vehicle - The more you drive your car in a year the more you will pay for insurance. Most insurance companies rate vehicles partially by how you use the vehicle. Autos that sit idle most of the time get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your insurance policy reflects the correct usage.
Do you qualify for a multi-policy discount? - Many companies afford a discount to insureds that purchase more than one policy. It's known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to confirm you are receiving the best rates possible.There is a good possibility that you can find lower rates even if you insure with multiple companies
Stay claim-free and save - Insurance companies in Texas give discounts to drivers who are claim-free. If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Your career may increase rates - Do you work in a high-stress field? Careers such as fire fighters, executives and accountants tend to have higher rates than the rest of us due to intense work-related stress and lots of time spent away from family. On the other hand, occupations like professors, historians and retirees pay lower than average rates.
Does insurance coverage cost less for women? - Statistics show that men are more aggressive behind the wheel. This data doesn't prove that women are BETTER drivers than men. Men and women tend to get into fender benders at a similar rate, but men tend to have more serious accidents. Men also get ticketed for serious violations such as DWI and reckless driving. Young men ages 16 to 20 cause the most accidents so they pay the highest premiums.
Get cheaper rates by receiving discounts
Companies that sell car insurance don't list all discounts in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find discounts that you can inquire about if you buy Huntsville auto insurance online.
- Pay Now and Pay Less - If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
- Onboard Data Collection - Insureds who allow their insurance company to scrutinize their driving habits remotely such as State Farm's In-Drive could see a rate decrease if they exhibit good driving behavior.
- Discounts for New Vehicles - Putting insurance coverage on a new car can cost up to 25% less since new model year vehicles have better safety ratings.
- Multi-car Discount - Insuring multiple cars or trucks with the same insurance company can reduce rates for all insured vehicles.
- Lower Rates for Military - Having a family member in the military could be rewarded with lower insurance rates.
- Accident Waiver - This one is not really a discount per se, but some companies like GEICO, Progressive, and Allstate will let one accident slide without the usual rate increase so long as you are claim-free before the accident.
- Club Memberships - Affiliation with qualifying clubs or civic groups could qualify you for a break on your next renewal.
- Early Renewal Discounts - Some companies give discounts for renewing your policy before your current expiration date. It could save around 10% when you buy Huntsville auto insurance online.
- Passive Restraint Discount - Vehicles equipped with air bags could see savings of 20 to 30 percent.
- Cautious Drivers - Insureds without accidents could pay up to 40% less than drivers with accident claims.
As is typical with insurance, many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like it's possible to get free car insurance, insurance companies wouldn't stay in business.
Some of the insurance companies that may offer many of the previously listed discounts include:
When comparing rates, check with all the companies how you can save money. Some credits may not apply to policyholders in Huntsville. To view insurance companies who offer online insurance quotes in Huntsville, follow this link.
Buying car insurance from Huntsville insurance agencies
A lot of people just want to visit with an insurance agent and that is a smart decision One of the great benefits of getting online price quotes is you may find better rates but also keep your business local. Supporting neighborhood insurance agencies is important particularly in Huntsville.
To find an agent, once you fill out this simple form, your insurance coverage information is submitted to local insurance agents in Huntsville who will return price quotes for your car insurance coverage. It makes it easy because there is no need to contact any insurance agencies because prices are sent instantly to you. Get lower rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a specific insurance company, you can always jump over to their website and complete a quote there.
How to choose the best car insurance agent in Huntsville
If you prefer to buy car insurance from a reputable insurance agent or broker, it helps to know the two types of insurance agents from which to choose. Car insurance agents in Huntsville are categorized either independent or exclusive.
Independent Car Insurance Agencies
Agents that choose to be independent do not work for one specific company so as a result can place your coverage through lots of different companies and find you the best rates. If they quote lower rates, they simply switch companies in-house and you don't have to do anything.
If you are comparing car insurance prices, you definitely need to get rate quotes from at least one independent agent in order to compare the most rates. They often place coverage with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Exclusive Insurance Agents
These type of agents are contracted to one company such as Allstate, Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so if the price isn't competitive there isn't much they can do. They are usually well trained in insurance sales which helps them sell on service rather than price. Some consumers prefer to choose to use an exclusive agent partially due to the brand name rather than having the cheapest rates.
Choosing the best auto insurance agent should depend on more than just the quoted price. Any good agent in Huntsville should know the answers to these questions.
- What are the financial ratings for the companies they represent?
- Who is covered by the car insurance policy?
- Is the coverage adequate for your vehicle?
- Are they in the agency full-time?
- Will the agent help in case of a claim?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Auto insurance in the media
GEICO, State Farm and Progressive consistently run ads on television and other media. They all say the same thing that you can save if you move your policy. How does each company claim to save you money? It's all in the numbers.
All companies are able to cherry pick for the type of insured that earns them the most money. For instance, a profitable risk profile may be over the age of 40, has never had a claim, and chooses high deductibles. A customer who matches those parameters will qualify for the lowest car insurance rates in Huntsville and will also pay quite a bit less when switching companies.
People who do not meet these criteria may be forced to pay a higher premium which usually ends up with the customer buying from someone else. Company advertisements say "customers that switch" not "everyone who quotes" save the amount stated. That is how insurance companies can confidently make those claims.
Because of the profiling, it is so important to get as many free Huntsville auto insurance quotes as possible. Because without a comparison, you cannot know with any certainty which company will provide the lowest auto insurance in Huntsville.
Be persistent and save
When searching for cheap Huntsville auto insurance quotes, you should never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.
We just presented many tips how you can compare car insurance rates in Huntsville. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the best rates are with some of the smallest insurance companies.
Lower-priced car insurance in Huntsville is attainable on the web and also from your neighborhood Huntsville agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer the ability to get quotes online and usually these smaller providers provide coverage only through independent agents.
More detailed car insurance information is located in the articles below:
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for Real Estate Agents in Texas? (FAQ)
- Who Has Cheap Texas Auto Insurance Rates for a Learners Permit? (FAQ)
- What Auto Insurance is Cheapest in Brownsville, Texas? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Nissan Altima in Texas? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Where can I buy Insurance? (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)