Do you want an efficient way to compare low-cost auto insurance rates in Irving, TX? Sick and tired of being strong-armed to pay high auto insurance rates every month? You're in the same situation as many other Texas drivers.

Surprisingly, a recent survey revealed that over 70% of consumers kept their policy with the same company for well over three years, and just under half have never compared rates with other companies. American consumers can save 46.5% each year by just comparing rate quotes, but most just don't grasp the amount of savings they would get if they replace their high priced policy.

You have multiple insurers to insure vehicles with, and although it's nice to have a choice, so many choices can make it hard to find the best rates for your vehicles.

Buying the lowest cost insurance in Irving is quite easy. Nearly every car owner who compares rates for insurance will most likely be able to lower their premiums. But Texas car owners need to learn the way companies sell online and apply this information to your search.

Auto insurance companies offering cheap rate quotes in Texas

The companies shown below offer quotes in Texas. If multiple companies are listed, we recommend you visit as many as you can to get the most competitive price.

Insurance Rate Estimates for Popular Vehicles in Irving
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,178 $589 $98
Chevrolet Silverado LTZ Extended Cab 2WD $1,472 $736 $123
Dodge Ram Quad Cab ST 2WD $1,004 $502 $84
Ford Escape XLS 2WD $946 $473 $79
Ford F-150 Lariat Crew Cab Platinum 4WD $1,472 $736 $123
Ford Focus SEL 4-Dr Sedan $1,374 $687 $115
GMC Sierra Denali Crew Cab 4WD $1,334 $667 $111
Honda Accord LX-S 2-Dr Coupe $1,352 $676 $113
Honda CR-V LX 2WD $984 $492 $82
Honda Civic SI 2-Dr Coupe $1,164 $582 $97
Hyundai Sonata Limited 4-Dr Sedan $1,150 $575 $96
Kia Optima LX $1,374 $687 $115
Nissan Altima 3.5 SR 2-Dr Coupe $1,758 $879 $147
Toyota Camry XLE $1,340 $670 $112
Toyota Corolla XLE $1,340 $670 $112
Toyota Prius $832 $416 $69
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in specific location which can increase or decrease prices significantly.

Analysis of deductible levels

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The tables below may help to conceptualize the differences in premium rates when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.

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

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Focus SE 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Focus SEL 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Focus SES 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Focus SE 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
Focus SES 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
Get a Quote for Your Vehicle Go
Ford Focus insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Focus SE 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Focus SEL 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Focus SES 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Focus SE 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Focus SES 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Get a Quote for Your Vehicle Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can change prices noticeably.

We can estimate from the data above that using a $250 deductible costs an average of $15 more each month or $180 annually than buying the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 17 months between claim filings, you would most likely save money if you decide on a higher deductible.

Comparison of car insurance rates by age and gender

The example below compares insurance prices for male and female drivers in Irving. The data is based on no claims, a clean driving record, full coverage, $500 deductibles, drivers are single, and no discounts are applied on a Honda Civic GX.

Honda Civic rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Car insurance discounts help lower rates

Not many people think insurance is cheap, but there's a good chance there are discounts that you may not know about. Certain discounts will be applied when you complete an application, but a few must be requested specifically before they will apply.Save money with discounts

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, companies don't profit that way.

Auto insurance companies that may have some of the above discounts may include but are not limited to:

If you want cheaper Irving auto insurance quotes, ask each company how you can save money. A few discounts might not apply in your state. To choose insurance companies who offer discounts in Texas, follow this link.

How insurance companies determine car insurance rates

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine your car insurance rates. When consumers understand what influences your rates, this allows you to make good choices that could result in cheaper rates.

No policy gaps is important - Not maintaining insurance is illegal and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay higher rates, failure to provide proof of insurance might get you fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.

Performance impacts insurance prices - The type of car, truck or SUV you drive makes a huge difference in your rates. The cheapest insurance rates will generally be found on low performance passenger vehicles, but the final cost of insurance is determined by many other factors.

Prices can be impacted by your occupation - Did you know your occupation can influence how much you pay for car insurance? Occupations such as real estate brokers, airline pilots, and dentists usually pay higher rates than average due to intense work-related stress and lots of time spent away from family. On the flip side, jobs such as professors, engineers and retirees generally pay rates lower than average.

Eliminate unneeded extra coverages - Insurance policies have a lot of extra coverages that you can buy if you aren't careful. Coverage for things like rental car coverage, accidental death, and Farm Bureau memberships may be wasting your money. These coverages may sound good initially, but if they're wasting money think about removing them and cutting costs.

Careless drivers pay higher costs - Your driving record impacts your car insurance rates tremendously. Drivers with clean records pay lower auto insurance prices than people who have multiple driving citations. Getting just one ticket can boost insurance rates to the point where it's not affordable. Drivers with license-revoking violations like reckless driving or DUI may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Keep claims to a minimum - Auto insurance companies in Texas provide most affordable rates to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Will just any policy work for me?

Keep in mind that when it comes to choosing your policy, there is no "perfect" insurance plan. Your needs are not the same as everyone else's.Higher deductibles save money

For instance, these questions can aid in determining whether or not you might need an agent's assistance.

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

You may want advice from an insurance agent

A lot of people still like to buy from a local agent and that is a personal choice. A nice benefit of getting free rate quotes online is the fact that you can find cheap rate quotes and still have an agent to talk to. Supporting neighborhood agents is important particularly in Irving.

Find insurance agent in IrvingFor easy comparison, once you complete this simple form, your insurance coverage information is immediately sent to local insurance agents who can give free rate quotes for your insurance coverage. It's much easier because you don't need to contact any agents because prices are sent instantly to you. You can find better rates and a licensed agent to talk to. If you wish to get a rate quote from one company in particular, you would need to find their quoting web page and fill out their quote form.

If you are wanting to find a good Irving insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Insurance policy providers are categorized either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Agents in the independent channel do not have single company limitations so they have the ability to put coverage with an assortment of companies and get the cheapest rates. If they quote lower rates, an independent agent can move your coverage and that require little work on your part.

If you are trying to find cheaper rates, you definitely need to contact multiple independent agents to get the best comparison.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company like Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company's rates so they really need to provide good service. These agents are well schooled on what they offer which helps them sell on service rather than price.

Picking a insurance agent shouldn't rely on just the price. Some important questions to ask are:

Auto insurance claim information

Which vehicles are likely to have claims? The claim statistics below outline the good and bad manufacturer models for the overall chance of having claims for each type of coverage.

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Fiat 500 Mitsubishi Lancer
Chevrolet Corvette Mitsubishi Mirage
Subaru Forester Dodge Charger
Audi A6 Kia Rio
Volvo XC60 Chevrolet Cruze
Subaru Outback Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Audi A4 Allroad Mitsubishi Lancer
Ford F-250 SuperCrew Nissan Versa
Land Rover Range Rover Sport Mitsubishi Mirage
Ford F-350 SuperCrew Chrysler 200
Tesla Model S Nissan Sentra
Ford Expedition Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford Edge Maserati Ghibli
Chevrolet Colorado Nissan GT-R
Jeep Wrangler BMW 6 Series
Ford F-150 SuperCrew Maserati Granturismo
GMC Canyon Bently Continental GTC
Smart ForTwo BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 BMW M6
Ford F-350 Mercedes-Benz S Class
Chevy Spark Porsche Panamera GTS
Chevy Silverado 2500 Audi S7
Nissan Xterra Maserati Granturismo
Volvo V60 Bentley Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

More comparisons equals cheaper rates

You just read many tips how you can get a better price on insurance in Irving. The most important thing to understand is the more you quote Irving auto insurance, the higher the chance of saving money. You may even be surprised to find that the lowest priced insurance comes from a small mutual company.

People change insurance companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, high prices or even denial of a claim. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

Cost effective insurance can be purchased from both online companies in addition to many Irving insurance agents, and you need to price shop both to have the best selection. Some companies may not have price quotes online and usually these small insurance companies only sell through independent agents.

To learn more, take a look at the resources below: