Trying to find the cheapest insurance for a car in Texas can be a painful process, but you can learn a few tricks to find lower rates.
There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for a new or used and obtain the best price possible from both online companies and Stephenville agents.
It's a good idea to get comparison quotes quite often because auto insurance rates change regularly. If you had the best premium rates on auto insurance a few years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because we're going to show you one of the best ways to properly buy coverages and cut your premium.
Finding the lowest cost car insurance coverage in Stephenville can be fairly easy. If you are insured now or need a new policy, use these tips to save money while maximizing coverage. Smart buyers just need to understand the least time-consuming way to quote multiple rates using one simple form.
Most larger insurance companies make it easy to get prices for coverage online. Comparing car insurance rates online is fairly straightforward as all you need to do is type in the coverages you want as detailed in the form. When complete, the quote system automatically orders information on your driving record and credit history and generates pricing information based on these factors.
Quoting online makes it a lot easier to compare rates and it is imperative to get many rate quotes in order to find the cheapest price.
To save time and fill out one form to compare multiple rates now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you enter the insurance coverages identical to your current policy. Using the same limits helps guarantee you will be getting rate quotes for similar insurance coverage.
The companies in the list below are ready to provide quotes in Stephenville, TX. To buy cheap car insurance in Texas, we recommend you get prices from several of them to find the lowest car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Extended Cab 4WD||$1,456||$728||$121|
|Dodge Ram Crew Cab Laramie 2WD||$1,580||$790||$132|
|Ford Escape XLS 2WD||$764||$382||$64|
|Ford F-150 XLT Crew Cab 4WD||$1,048||$524||$87|
|Ford Focus SES 4-Dr Sedan||$1,042||$521||$87|
|Honda Accord LX 4-Dr Sedan||$764||$382||$64|
|Honda CR-V EX 4WD||$878||$439||$73|
|Honda Civic GX 4-Dr Sedan||$1,350||$675||$113|
|Hyundai Sonata Limited 4-Dr Sedan||$1,376||$688||$115|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,126||$563||$94|
|Toyota Camry XLE||$1,084||$542||$90|
|Toyota Corolla XLE||$1,212||$606||$101|
|Toyota RAV4 Limited 2WD||$1,284||$642||$107|
|Volkswagen Jetta SE 4-Dr Sedan||$952||$476||$79|
|Get Your Own Custom Quote Go|
Premium data assumes single female 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. Rate quotes do not factor in zip code location which can increase or decrease premium rates considerably.
The diagram below shows how different deductible levels and can change Chevrolet Tahoe yearly insurance costs for each different age group. The premiums assume a single female driver, comp and collision included, and no additional discounts are factored in.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
Where to set your deductibles
A question often asked by Stephenville drivers is how low should you set your deductibles. The comparison tables below may help to conceptualize the rate difference between high and low coverage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$256||$408||$324||$20||$96||$1,129||$94|
|Elantra Blue 4-Dr Sedan||$256||$584||$382||$22||$114||$1,383||$115|
|Elantra GLS 4-Dr Sedan||$294||$584||$382||$22||$114||$1,421||$118|
|Elantra SE 4-Dr Sedan||$294||$584||$382||$22||$114||$1,421||$118|
|Elantra SE Touring Station Wagon||$294||$496||$324||$20||$96||$1,255||$105|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$158||$256||$324||$20||$96||$854||$71|
|Elantra Blue 4-Dr Sedan||$158||$368||$382||$22||$114||$1,044||$87|
|Elantra GLS 4-Dr Sedan||$182||$368||$382||$22||$114||$1,068||$89|
|Elantra SE 4-Dr Sedan||$182||$368||$382||$22||$114||$1,068||$89|
|Elantra SE Touring Station Wagon||$182||$312||$324||$20||$96||$934||$78|
|Get a Quote for Your Vehicle Go|
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can alter premium rates significantly.
Using the data above, we can ascertain that using a $250 deductible costs about $27 more each month or $324 a year than selecting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 28 months between claim filings, you would probably save some money if you decide on a higher deductible.
Rate increases following a ticket or accident
The diagram below shows how traffic citations and fender-benders can impact Toyota Corolla car insurance costs for each different age group. The premiums are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
Car insurance policy discounts you can't miss
Auto insurance companies don't list all possible discounts very well, so the below list has some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy Stephenville car insurance online.
- Pay Upfront and Save - By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
- Employee of Federal Government - Having worked for a branch of the government can save as much as 8% with select insurance companies.
- Discount for Swiching Early - Some insurance companies give discounts for buying a new policy prior to your current policy expiration. You could save around 10% when you buy Stephenville car insurance online.
- Club Memberships - Participating in a qualifying organization is a simple method to lower premiums when getting a Stephenville car insurance quote.
- Discounts for Multiple Vehicles - Buying insurance for several vehicles with the same car insurance company qualifies for this discount.
One last thing about discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you're out of luck.
Larger car insurance companies and some of the premium reductions they offer are included below.
- American Family may have discounts that include multi-vehicle, Steer into Savings, air bags, TimeAway discount, and good driver.
- Nationwide may include discounts for defensive driving, family plan, good student, Farm Bureau membership, anti-theft, and business or organization.
- MetLife includes discounts for defensive driver, good driver, accident-free, multi-policy, and claim-free.
- 21st Century policyholders can earn discounts including teen driver, air bags, early bird, student driver, anti-lock brakes, and good student.
- Farmers Insurance may offer discounts for teen driver, switch companies, pay in full, electronic funds transfer, business and professional, homeowner, and mature driver.
- Allstate has savings for auto/life discount, teenSMART discount, new car, premier discount, anti-lock brakes, EZ pay plan discount, and premier plus.
Before purchasing a policy, check with every company to give you their best rates. Some discounts might not be available to policyholders everywhere. To find insurance companies who offer car insurance discounts in Texas, click this link.
Components of your auto insurance costs
Many things are considered when premium rates are determined. Some of the criteria are obvious like an MVR report, but others are more transparent like where you live and annual miles driven.
Shown below are just a few of the factors used by your company to calculate your rate level.
Pay more for higher performance vehicles - The type of car you need insurance for makes a big difference in how high your rates are. The most favorable rates are usually found on the lowest performance passenger cars, but other factors influence the final cost greatly.
Guys tend to take more risk - Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don't assume that women are better drivers. Males and females get in fender benders in similar percentages, but the men tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like DUI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.
Age of drivers impacts rates - Older insureds are more responsible, are lower risk to insure, and are generally more financially stable.Teenage drivers are statistically proven to be careless and easily distracted when driving so insurance rates are higher.
Pay more if you have a long commute - Choosing to live in less populated areas of the country is a positive aspect when talking about insurance. People in densely populated areas regularly have more road rage incidents and a longer drive to work. Fewer people means a lower chance of having an accident.
Drivers with high credit save on insurance - Having a good credit score can be an important factor in calculating your insurance rates. If your credit is not that good, you could potentially save money when insuring your vehicle by repairing your credit. People that have very high credit ratings tend to be better risks to insure than drivers with poor credit.
Keep insurance claims to a minimum - Car insurance companies in Texas provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
Marriage discount - Having a significant other can actually save you money when buying insurance. It may mean you are more responsible and insurance companies like that married drivers tend to have fewer serious accidents.
Drive less and pay lower prices - The higher the mileage driven annually the more you'll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Vehicles that do not get driven very much can be on a lower rate level than those used for commuting. Verify your insurance coverage is showing the correct usage for each vehicle.
Neighborhood Stephenville auto insurance agents
A lot of people prefer to talk to a local agent and there is nothing wrong with that. Experienced insurance agents can help you build your policy and help file insurance claims. A good thing about price shopping on the web is the fact that drivers can get cheaper car insurance rates and still choose a local agent. Buying from and supporting neighborhood agents is important particularly in Stephenville.
After filling out this quick form, the quote information is sent to insurance agents in Stephenville that can give you free Stephenville car insurance quotes and help you find cheaper coverage. You won't need to search for any insurance agencies as quotes are delivered to you directly. In the event you want to quote rates from one company in particular, you just need to jump over to their website and give them your coverage information.
If you would like to find an insurance agent, you need to know there are two types of agencies that you can choose from. Agents in Stephenville are categorized either independent or exclusive depending on the company they work for. Both provide insurance policies, but it's important to point out the difference between them because it can influence your selection of an agent.
Independent Insurance Agencies or Brokers
Independent insurance agents are not locked into one company and that enables them to quote your coverage through lots of different companies and find the cheapest rate. If they find a cheaper price, an independent agent can move your coverage which requires no work on your part.
When searching for an agent, it's recommended you check rates from at least one independent agent to ensure the widest selection of prices. They also have the ability to place coverage with smaller mutual companies which may have better rates.
These agents work for only one company and examples are Allstate, State Farm and Farm Bureau. They are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on the products they sell which helps offset the inability to provide other markets. Consumers often choose to use an exclusive agent primarily because of the brand and the convenience of having all coverages with one company.
Choosing the best auto insurance agent shouldn't rely on just the price. These are some questions your agent should answer.
- Who is covered by the car insurance policy?
- Which company do they place the most coverage with?
- Will they make sure you get an adequate claim settlement?
- Do the companies they represent have a solid financial rating?
- What discounts might you be missing?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will the agent help in case of a claim?
- Do they have cheaper tiers of coverage?
Persistence is the key to cheap rates
People leave their current company for many reasons like poor customer service, denial of a claim, an unsatisfactory settlement offer or policy non-renewal. Regardless of your reason, choosing a new insurance company can be easier than you think.
When searching for inexpensive Stephenville car insurance quotes, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped uninsured motorist or liability limits only to regret they didn't have enough coverage. Your goal should be to buy enough coverage at the best price, but do not skimp to save money.
Lower-priced car insurance in Stephenville is definitely available both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and usually these small, regional companies work with local independent agents.
For more information, take a look at the following helpful articles:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- What Insurance is Cheapest for Infrequent Drivers in Texas? (FAQ)
- Who Has Cheap Auto Insurance for 18 Year Olds in Texas? (FAQ)
- Who Has the Cheapest Texas Auto Insurance for Used Cars? (FAQ)
- What Car Insurance is Cheapest in Dallas, Texas? (FAQ)
- What is the Best Auto Insurance in Corpus Christi, Texas? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Airbag FAQ (iihs.org)