Are you tired of trying to find more affordable auto insurance rates in Seguin, TX? Finding better insurance prices for a car in Texas can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to compare auto insurance rates and we'll show you the proper way to get price quotes for a and obtain the cheapest rates either online or from Seguin insurance agents.
If you already have coverage or need a new policy, use these tips to reduce the price you pay without having to cut coverage. Finding and comparing the lowest-priced protection in Seguin is not as confusing as people think. Smart shoppers just need to learn the most effective way to compare prices from many different companies online.
The quickest method we recommend to get policy rate comparisons is to understand auto insurance companies allow for online access to compare rate quotes. All consumers are required to do is give them some information like daily mileage, what your job is, the year, make and model of vehicles, and deductibles desired. The rating information is submitted instantly to multiple insurance providers and you will get price comparisons instantly to find the best rate.
If you would like to compare rates now, click here and complete the quick form.
The companies shown below provide free rate quotes in Texas. If you want cheap car insurance in Texas, we recommend you visit two to three different companies to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LTZ||$1,092||$546||$91|
|Chevrolet Silverado LT Crew Cab 2WD||$1,158||$579||$97|
|Dodge Ram Crew Cab Sport 2WD||$1,920||$960||$160|
|Ford Escape Limited 4WD||$1,074||$537||$90|
|Ford F-150 FX2 Super Cab 2WD||$1,240||$620||$103|
|Ford Focus SEL 4-Dr Sedan||$1,326||$663||$111|
|Ford Fusion Hybrid 4-Dr Sedan||$1,920||$960||$160|
|Honda Accord EX 2-Dr Coupe||$1,440||$720||$120|
|Honda CR-V EX-L 2WD||$1,134||$567||$95|
|Honda Civic DX 4-Dr Sedan||$1,326||$663||$111|
|Hyundai Elantra SE 4-Dr Sedan||$1,064||$532||$89|
|Nissan Altima 2.5 4-Dr Sedan||$1,152||$576||$96|
|Toyota Camry LE||$1,356||$678||$113|
|Toyota Corolla XRS||$1,434||$717||$120|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in vehicle location which can lower or raise insurance rates substantially.
Safe drivers pay cheaper rates
The diagram below highlights how speeding tickets and at-fault claims can affect Hyundai Sonata premium costs for different ages of insureds. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
Insurance premiums by gender
The illustration below illustrates the difference between premium costs for male and female drivers in Seguin. The premiums are based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied to the premium on a Honda Civic EX-L.
Honda Civic rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Rate difference between full and liability-only coverage
The information below shows the difference between Chevrolet Malibu auto insurance costs with liability coverage only compared to full coverage. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, single female driver, and no additional discounts are factored in.
Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.
When to switch to liability coverage only
There is no definitive formula to delete full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let's pretend your Chevrolet Malibu replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your policy deductible. If premium cost is more than $300 a year to have full coverage, then you might want to think about dropping full coverage.
There are some circumstances where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Discounts for lower-cost auto insurance quotes
Auto insurance companies don't always advertise all possible discounts very clearly, so the list below details some of the more common and the more hidden credits that you can use to lower your rates.
- Theft Prevention System - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a Seguin car insurance quote.
- Onboard Data Collection - Seguin drivers who agree to allow their company to look at where and when they drive by using a telematics device like In-Drive from State Farm and Progressive's Snapshot might get better premium rates as long as the data is positive.
- Senior Citizens - Older drivers can possibly qualify for a small decrease in premiums.
- Distant Student Discount - Older children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
- Driver's Ed - Have your child complete a driver education course as it can save substantially.
- Low Miles Discount - Driving less can qualify you for cheaper auto insurance rates.
- Discount for Good Grades - Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last until age 25.
- Discounts for Responsible Drivers - Insureds without accidents could pay up to 40% less compared to accident prone drivers.
- Buy New and Save - Putting insurance coverage on a new car can be considerably cheaper because new model year vehicles are generally safer.
- Defensive Driving Course - Taking part in a defensive driver class may get you a small discount and easily recoup the cost of the course.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren't that generous.
If you would like to see a list of insurers with significant discounts in Seguin, click here to view.
Seguin auto insurance rates are influenced by these factors
Smart consumers have a good feel for some of the elements that help calculate your premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can earn you better auto insurance rates. Multiple criteria are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving record, although some other factors are not as apparent like your continuous coverage or your financial responsibility.
The following are a few of the "ingredients" used by companies to determine your prices.
With age comes responsibility - Drivers with little experience are proven to be inattentive and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are shown to be more cautious, cause fewer claims and accidents, and get fewer tickets.
Don't cancel your policy without a new one in place - Allowing your coverage to lapse is a quick way to bump up your auto insurance costs. Not only will you pay more, the inability to provide proof of insurance may result in fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Texas DMV.
Rates can drop if you have more than one policy - Many insurance companies give a discount to insureds who buy several policies from them such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. If you currently are using one company, you may still want to check prices from other companies to verify if the discount is saving money. Drivers may still find better rates by buying from different companies
Buy as much liability coverage as you can afford - Your policy's liability coverage will protect you if ever you are responsible for causing damage or personal injury in an accident. It provides legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
Credit history impacts premium premiums - An insured's credit score is a large factor in determining your rates. Insureds with excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. So if your credit can be improved, you could save money insuring your vehicle by improving your rating.
One last note
As you prepare to switch companies, it's a bad idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.
Drivers leave their current company for a variety of reasons including policy non-renewal, extreme rates for teen drivers, not issuing a premium refund and even policy cancellation. Whatever your reason, finding a new company can be pretty painless.
Discount car insurance in Seguin is possible on the web in addition to local insurance agencies, and you need to price shop both to have the best selection. Some companies do not offer rate quotes online and many times these regional insurance providers provide coverage only through local independent agents.
To learn more, feel free to visit these articles:
- Safety Belts FAQ (iihs.org)
- Think You're a Safe Driver? (State Farm)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Medical Payments Coverage (Liberty Mutual)
- Understanding Your Insurance Deductible (Insurance Information Institute)