How long has it been since you sat down and looked for low-cost auto insurance rates in Wichita Falls, TX? Searching for the cheapest insurance for a car in Texas can be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare auto insurance rates so we're going to tell you the best way to price shop coverage for a new or used and get the lowest possible price from Wichita Falls insurance agents and online providers.

It's smart to do rate comparisons on a regular basis because auto insurance prices are rarely the same from one policy term to another. Just because you found the lowest price on auto insurance a few years ago you can probably find a lower rate today. There are a lot of ways to save on auto insurance on the web, but in just a couple of minutes you can learn some of the best techniques to find cheap auto insurance in Wichita Falls.

If you are already insured or just want cheaper rates, use these money-saving tips to buy cheaper auto insurance without having to cut coverage. Obtaining price quotes for cheaper policy in Wichita Falls is not as difficult as people think. Shoppers just have to use the quickest method to compare rate quotes online.

Low-cost auto insurance companies in Wichita Falls

The providers in the list below offer quotes in Wichita Falls, TX. To buy cheaper auto insurance in Texas, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Wichita Falls
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,258 $629 $105
Chevrolet Silverado LT Crew Cab 4WD $1,434 $717 $120
Dodge Ram Crew Cab SLT 2WD $1,386 $693 $116
Ford Escape XLS 4WD $834 $417 $70
Ford Explorer Eddie Bauer 2WD $1,214 $607 $101
Ford F-150 XL Super Cab 4WD $1,072 $536 $89
Ford Focus SE 2-Dr Coupe $1,704 $852 $142
Ford Fusion S 4-Dr Sedan $1,202 $601 $100
GMC Sierra SL Crew Cab 2WD $1,288 $644 $107
Honda Accord LX 4-Dr Sedan $850 $425 $71
Honda CR-V EX 4WD $1,322 $661 $110
Honda Civic VP 4-Dr Sedan $1,580 $790 $132
Hyundai Elantra Blue 4-Dr Sedan $1,042 $521 $87
Hyundai Sonata SE 4-Dr Sedan $1,126 $563 $94
Nissan Altima 2.5 S 4-Dr Sedan $1,588 $794 $132
Toyota Camry XLE $1,352 $676 $113
Toyota Corolla XLE $1,424 $712 $119
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific zip code location which can modify premium rates substantially.

Deductible comparison

The hardest decision when buying coverage is which deductible level should you buy. The rates shown below summarize how much more you'll pay when you select higher and lower coverage deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $294 $496 $430 $26 $128 $1,399 $117
Optima EX $332 $584 $430 $26 $128 $1,525 $127
Optima SX $332 $584 $430 $26 $128 $1,525 $127
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Kia Optima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $182 $312 $430 $26 $128 $1,078 $90
Optima EX $206 $368 $430 $26 $128 $1,158 $97
Optima SX $206 $368 $430 $26 $128 $1,158 $97
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in Wichita Falls location which can increase or decrease insurance rates greatly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $29 more each month or $348 every year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 26 months between claims, you would probably save some money by selecting a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): - $95
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

One big caveat is that raising deductibles to save money means you will have to pay more if you have a claim. That will require access to more funds in the event you have to pay the deductible for vehicle repair.

Auto insurance quotes and discounts

Some companies don't list every possible discount in a way that's easy to find, so we break down both the well known as well as the least known auto insurance savings. If you are not receiving all the discounts you deserve, you are just wasting money.Cheaper auto insurance with discounts

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think you could get a free auto insurance policy, it just doesn't work that way.

Some of the larger companies who may offer these discounts may include but are not limited to:

If you need lower rates, check with every company which credits you are entitled to. Savings may not be available in every state. To choose auto insurance companies who offer free auto insurance quotes in Wichita Falls, click here.

Smart buyers save more

Many things are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other factors are not quite as obvious like your continuous coverage or how safe your car is.

Higher auto insurance rates for policy lapses - Having a gap between insurance policy dates is a guaranteed way to pay more for auto insurance. Not only will rates go up, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.

Tickets are costly - Having a single speeding ticket can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. Drivers who have multiple citations such as DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.

Your credit rating is important - Having a good credit score is a large factor in determining what you pay. Therefore, if your credit could use some work, you could pay less to insure your vehicle by taking the time to improve your credit score. Insureds that have very high credit ratings tend to be more responsible than drivers with bad credit.

Auto insurance rates and age - Older drivers have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit.Beginning drivers are proven to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates.

Car insurance quotes from local Wichita Falls insurance agents

Many drivers would rather sit down with an agent and that is OK! Insurance agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is you may find the lowest rates and also buy local.

Wichita Falls insurance agentsAfter completing this short form, the quote information is immediately sent to insurance agents in Wichita Falls that provide free Wichita Falls auto insurance quotes for your coverage. It makes it easy because there is no need to leave your house because prices are sent to you. If you have a need to compare rates for a specific company, just search and find their rate quote page and submit a quote form there.

Picking the best provider requires you to look at more than just a cheap price. Agents should be asked these questions:

Auto insurance claim statistics

Are you driving a vehicle with a high chance of a claim? The following statistics list the best and worst manufacturer models for the probability of having large claims.

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Bentley Continental GT
Nissan Xterra BMW M6
GMC Sierra 2500 BMW M6
Volvo V60 Maserati Granturismo
Chevy Silverado 2500 Audi S7
Nissan Leaf Bentley Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Mitsubishi Mirage
Ford F-250 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Hyundai Accent
Chevrolet Corvette Chevrolet Spark
Ford F-350 SuperCrew Nissan Versa
Tesla Model S Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Auto Insurance Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab BMW M6
Nissan Xterra Nissan GT-R
Smart ForTwo Maserati Granturismo
Jeep Wrangler Audi RS7
GMC Canyon Ferrari 458
Ford Edge BMW 6 Series

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Auto Insurance Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Kia Optima
Mercedes-Benz SL Class Chevrolet Impala
Subaru Forester Mitsubishi Mirage
Chevrolet Corvette Mitsubishi Lancer
Fiat 500 Kia Rio
Volvo XC60 Chevrolet Cruze

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

One last thing to lower rates

Drivers switch companies for a variety of reasons including delays in paying claims, policy non-renewal, questionable increases in premium and not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

When you buy Wichita Falls auto insurance online, do not skimp on critical coverages to save a buck or two. Too many times, someone dropped full coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best cost, but don't skip important coverages to save money.

The cheapest auto insurance in Wichita Falls is attainable online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not provide rates over the internet and many times these smaller companies only sell coverage through independent insurance agents.

More detailed auto insurance information can be read by following these links: