Want to know an easy way to compare low-cost insurance rates in Nacogdoches, TX? Finding the cheapest insurance for your car in Texas can normally be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to shop for insurance and we'll show you the proper way to price shop coverage for a and find the lowest price.

Finding a better price on car insurance is not a difficult process. Drivers just need to spend a few minutes on the computer to get quotes to discover which company has cheaper Nacogdoches car insurance quotes.

The companies shown below have been selected to offer free rate quotes in Texas. If you want to find the cheapest auto insurance in Texas, we recommend you get rates from several of them in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Nacogdoches
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,144 $572 $95
Chevrolet Equinox LTZ AWD $1,278 $639 $107
Chevrolet Impala LTZ $934 $467 $78
Chevrolet Silverado LS Extended Cab 2WD $1,726 $863 $144
Dodge Ram Crew Cab ST 4WD $1,474 $737 $123
Ford Escape XLS 2WD $1,064 $532 $89
Ford Explorer Eddie Bauer 4WD $1,156 $578 $96
Ford F-150 Lariat Crew Cab 4WD $1,034 $517 $86
Ford Focus SEL 4-Dr Sedan $1,016 $508 $85
GMC Sierra SLT Crew Cab 2WD $952 $476 $79
Honda Accord LX-P 4-Dr Sedan $946 $473 $79
Honda CR-V EX-L 4WD $974 $487 $81
Honda Civic EX 2-Dr Coupe $1,124 $562 $94
Hyundai Sonata SE 4-Dr Sedan $1,328 $664 $111
Kia Optima SX $1,330 $665 $111
Nissan Altima 3.5 SR 4-Dr Sedan $1,088 $544 $91
Toyota Camry SE $1,404 $702 $117
Toyota Corolla XRS $1,120 $560 $93
Toyota RAV4 Limited 2WD $1,010 $505 $84
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Table data does not factor in specific location which can revise premiums considerably.

Physical damage deductibles

One common question asked by Nacogdoches drivers is how high should the deductibles for physical damage be. The rates shown below help summarize the differences in premium rates between low and high comp and collision deductibles. The first set of prices uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $294 $584 $382 $22 $114 $1,421 $118
Corolla S $294 $584 $382 $22 $114 $1,421 $118
Corolla XLE $294 $584 $382 $22 $114 $1,421 $118
Corolla XRS $332 $584 $382 $22 $114 $1,459 $122
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Toyota Corolla insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $182 $368 $382 $22 $114 $1,068 $89
Corolla S $182 $368 $382 $22 $114 $1,068 $89
Corolla XLE $182 $368 $382 $22 $114 $1,068 $89
Corolla XRS $206 $368 $382 $22 $114 $1,092 $91
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can influence premiums considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $29 more each month or $348 for a full year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 26 months between claim filings, you would most likely save money if you choose a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Gender-based auto insurance premiums in Nacogdoches

The information below illustrates the comparison of insurance prices for male and female drivers in Nacogdoches. The data assumes no violations or accidents, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium on a Toyota Camry LE.

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

Insurance claim statistics

Do you own a vehicle likely to have a claim? The following tables list the highest and lowest models for the probability of having claims for each type of coverage.

Lowest and Highest Auto Insurance Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Acura MDX Chevrolet Sonic
Mercedes-Benz SL Class Chrysler 200
Fiat 500 Mitsubishi Lancer
Subaru Outback Hyndai Accent
Chevrolet Corvette Dodge Charger
Subaru Forester Kia Rio

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Overall Losses Highest Overall Losses
Tesla Model S Kia Forte
Ford F-350 SuperCrew Chevrolet Sonic
Ford F-250 SuperCrew Dodge Charger
Chevrolet Silverado 3500 Chevrolet Spark
Audi A4 Allroad Nissan Sentra
Land Rover Range Rover Sport Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevy Spark Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GT
Ford F-350 Audi S7
Infiniti QX50 Maserati Quattroporte
Nissan Xterra Porsche Panamera GTS
Volvo V60 Bentley Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCab BMW M6
Smart ForTwo Ferrari 458
Ford F-150 SuperCrew Bently Continental GTC
Jeep Wrangler Audi RS7
Chevrolet Colorado Nissan GT-R
Ford Edge Maserati Ghibli

Statistics from IIHS.org for 2013-2015 Model Years