Do you want an efficient way to compare more affordable car insurance rates in Conroe, TX? Trying to find more affordable car insurance may be quite difficult for drivers new to online price comparisons. You have so many agents and companies to choose from that it can easily be a burden to find cheaper coverage rates on car insurance.
It’s amazing but a large majority of drivers in Texas renewed their policy with the same company for more than four years, and practically 40% of car insurance customers have never even compared rates from other companies. U.S. drivers could save an average of about 46.5% each year, but most just don’t grasp the amount of money they would save if they moved their coverage to a different company.
It is always a good idea to get comparison quotes before your next renewal because prices are rarely the same from one policy term to another. Even if you think you had the best deal on car insurance on your last policy you can probably find a better premium rate now. You’ll find a ton of advice on car insurance online, but in a few minutes you can learn a lot of great tips on how to find cheap car insurance in Conroe.
Finding the cheapest auto insurance coverage in Conroe is much easier if you have a good place to start. If you have auto insurance now, you will be able to buy cheaper auto insurance using the concepts covered in this article. Nevertheless, Texas drivers do need to know the way companies compete online because rates fluctuate considerably.
When comparison shopping, there are several ways to compare rate quotes from different companies. The simplest method to find affordable insurance rates is simply to get online rate quotes.
When comparing insurance rates, know that comparing more rates from different companies increases the chance that you will find more affordable insurance. Not every company allows you to get quotes over the internet, so it’s recommended that you also compare rates from them, too.
The companies shown below have been selected to offer comparison quotes in Texas. If more than one company is shown, we suggest you visit as many as you can to get the best price comparison.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium | ||||
|---|---|---|---|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 2WD | $1,326 | $663 | $111 | ||||
| Chevrolet Silverado LT Regular Cab 2WD | $1,426 | $713 | $119 | ||||
| Dodge Ram Quad Cab ST 2WD | $1,286 | $643 | $107 | ||||
| Ford Escape XLS 2WD | $1,086 | $543 | $91 | ||||
| Ford F-150 Lariat Crew Cab Harley 4WD | $1,110 | $555 | $93 | ||||
| Ford Focus SE 4-Dr Sedan | $1,592 | $796 | $133 | ||||
| GMC Sierra SL Extended Cab 2WD | $1,284 | $642 | $107 | ||||
| Honda Accord EX 2-Dr Coupe | $1,444 | $722 | $120 | ||||
| Honda CR-V EX 2WD | $1,230 | $615 | $103 | ||||
| Honda Civic DX 2-Dr Coupe | $1,500 | $750 | $125 | ||||
| Hyundai Elantra SE 4-Dr Sedan | $1,064 | $532 | $89 | ||||
| Jeep Grand Cherokee Laredo 4WD | $1,308 | $654 | $109 | ||||
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,298 | $649 | $108 | ||||
| Mazda 3 I Touring 4-Dr Sedan | $1,410 | $705 | $118 | ||||
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,178 | $589 | $98 | ||||
| Toyota Camry XLE | $1,222 | $611 | $102 | ||||
| Toyota Corolla S | $934 | $467 | $78 | ||||
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific location which can revise price quotes greatly.
Poor driving habits will raise your car insurance rates
The illustration below highlights how speeding tickets and accident claims drive up Nissan Altima car insurance costs for different age groups. The information is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate comparison of full coverage and liability-only
The information below shows the comparison of Ford Escape insurance premiums with liability coverage only compared to full coverage. The price estimates are based on no accidents, no driving violations, $250 deductibles, single male driver, and no additional discounts are factored in.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
Guidelines for eliminating full coverage
There is no clear-cut formula of when to phase out physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Ford Escape claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying the physical damage deductible. If you are paying more than $600 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Impact of age and gender on car insurance rates
The information below visualizes the comparison of insurance premiums for male and female drivers in Conroe. The premium estimates are based on no claims or driving citations, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration on a Toyota Corolla S.
Toyota Corolla rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
What if I want to buy from local Conroe insurance agencies?
Many people still prefer to get professional advice from a licensed agent and there is nothing wrong with that. An additional benefit of comparing insurance prices online is the fact that you can find lower car insurance rates and still buy from a local agent.
Once you complete this simple form, your information is transmitted to local insurance agents in Conroe that can provide free Conroe car insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies since price quotes are sent immediately to your email address. It’s the lowest rates AND an agent nearby. If you wish to get a comparison quote for a specific company, you just need to jump over to their website and complete a quote there.
Finding the right company shouldn’t rely on just a cheap quote. These are valid questions to ask:
- How are claims handled?
- Who are their largest clients?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do the companies they represent have a solid financial rating?
- Is the agent properly licensed in Texas?
- Is the agency active in community causes in Conroe?
- Is there a 24/7 contact number?
Different types of car insurance agents in Conroe
When finding a local insurance agency, there are a couple of different agency structures and how they are distinctly different. Agents in Conroe are either exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agencies
Agents of this type have only one company to place business with and examples are Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes use the same agent mostly because of the brand legacy instead of buying on price only.
The following is a list of exclusive agents in Conroe who may provide you with price quote information.
- Farmers Insurance: Brian Ehlers
903 N Loop 336 W – Conroe, TX 77301 – (936) 756-0356 – View Map - James Pearson – State Farm Insurance Agent
469 Farm to Market Rd 1488 Ste 102 – Conroe, TX 77384 – (936) 321-4900 – View Map - Jack Popham – State Farm Insurance Agent
2407 N Frazier St – Conroe, TX 77303 – (936) 756-1531 – View Map
Independent Agents
Agents that choose to be independent can sell policies from many different companies so they can quote policies through lots of different companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured. When comparing rate quotes, we highly recommend that you check rates from several independent insurance agents for the best price selection. They often place coverage with small mutual carriers which can be an advantage.
Listed below are Conroe independent insurance agencies that are able to give price quotes.
- Ashley General Agency
2040 N Loop 336 W #200 – Conroe, TX 77304 – (936) 441-5959 – View Map - Super Stop Insurance
1500 S Frazier St – Conroe, TX 77301 – (936) 756-9786 – View Map - Nationwide Insurance: Christopher Lawrence Batten
2251 N Loop 336 W Ste D – Conroe, TX 77304 – (936) 321-5555 – View Map