Would you like to stop wasting money and find more competitive insurance rates in Southlake, TX? There isn't anyone who looks forward to paying for insurance, especially when they are aware that their premiums are through the roof.

Sad but true, most Texas insurance customers renewed their policy with the same company for a minimum of four years, and just under half have never compared insurance rates at all. U.S. drivers can cut their rates by approximately $859 a year by just comparing rate quotes, but they just feel it's too hard to find affordable rates by getting comparison quotes. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer and get the best coverage at the best rate on insurance.

The quickest method to compare car insurance company rates is to know most insurance companies have advanced systems to compare rate quotes. To begin a comparison, all you need to do is provide a little information such as if a SR-22 is required, how much education you have, what you do for a living, and whether the vehicles are used for commuting. Your insurance information gets transmitted to many of the top insurers and you will get price comparisons with very little delay.

To check car insurance prices now, click here and enter your zip code.

The companies in the list below offer price quotes in Texas. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Southlake
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,238 $619 $103
Chevrolet Silverado Crew Cab Hybrid 4WD $1,490 $745 $124
Dodge Grand Caravan SXT $924 $462 $77
Dodge Ram Crew Cab Sport 4WD $1,582 $791 $132
Ford Escape XLS 2WD $748 $374 $62
Ford F-150 XL Crew Cab 2WD $936 $468 $78
Ford Focus SES 4-Dr Sedan $1,510 $755 $126
GMC Sierra SL Crew Cab 2WD $1,252 $626 $104
Honda Accord EX 4-Dr Sedan $1,254 $627 $105
Honda CR-V LX 4WD $886 $443 $74
Honda Civic LX-S 4-Dr Sedan $1,098 $549 $92
Hyundai Elantra GLS Touring Station Wagon $886 $443 $74
Hyundai Sonata SE 4-Dr Sedan $1,148 $574 $96
Kia Optima SX $1,442 $721 $120
Nissan Altima 3.5 SR 4-Dr Sedan $1,092 $546 $91
Nissan Rogue S AWD $950 $475 $79
Toyota Camry SE $1,404 $702 $117
Toyota Corolla LE $1,222 $611 $102
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific Southlake garaging location which can influence premium rates substantially.

Price comparison of only insuring for liability

The chart below examines Hyundai Elantra insurance premiums when comparing full coverage to liability only. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, single female driver, and no policy discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no specific rule to drop comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Hyundai Elantra claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are a few cases where dropping physical damage coverage is not financially feasible. If you haven't satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Tailor your auto insurance coverage to you

Keep in mind that when it comes to choosing a policy, there is no best way to insure your cars. You are unique.Auto insurance savings

These are some specific questions may help highlight whether your personal situation could use an agent's help.

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.