Car Insurance Quotes in Baytown

Are you kicking yourself for buying overpriced insurance? Say no more because there are many Baytown consumers feeling the pinch from expensive insurance.

Unbelievable but true according to a study most consumers in Texas have purchased from the same company for at least the last four years, and just under half have never compared rates with other companies. American drivers could pocket up to $850 a year, but they just don’t understand the rate savings if they just switched companies. You have so many car insurance companies to choose from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates and cut insurance costs.

Auto insurance providers offering low-cost rate quotes in Texas

The providers in the list below are our best choices to provide comparison quotes in Texas. If multiple companies are listed, it’s a good idea that you click on several of them to get the most affordable price.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in vehicle location which can alter coverage rates greatly.

Full coverage rates compared to liability-only

The chart below shows the comparison of Nissan Sentra insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no driving violations, no at-fault accidents, $100 deductibles, married male driver, and no additional discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There isn’t a written rule for excluding physical damage coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Nissan Sentra claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your deductible. If premium cost is more than $200 annually for physical damage coverage, then it could be time to drop full coverage.

There are some cases where only buying liability is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Auto insurance cost for men versus women

The diagram below illustrates the comparison of insurance costs for male and female drivers in Baytown. The data assumes no claims, a clean driving record, comp and collision included, $500 deductibles, single marital status, and no additional discounts are factored in on a GMC Acadia SLE.

GMC Acadia rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Should you raise deductibles?

The example below highlights how deductible choice and can change Ford F-150 premium costs for different insured age categories. The rate quotes are based on a single female driver, full coverage, and no discounts are applied to the premium.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Companies offer lots of discounts on car insurance

Car insurance is easily one of your largest bills, but you might find some hidden discounts that you may not know about. A few discounts will be applied when you get a quote, but a few must be asked about prior to getting the savings.

• Theft Prevention Discount – Cars optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a Baytown car insurance quote.
• Homeowners Savings – Just owning your own home may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
• ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
• Defensive Driver Discount – Taking part in a course in defensive driving could earn you a small percentage discount and easily pay for the cost of the class.
• Switch and Save Discount – Some insurance companies provide a discount for renewing your policy before your current coverage expires. You could save around 10% when you buy Baytown car insurance online.
• Distant College Student Discount – Children who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.

It’s important to note that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But any discount will help lower your premiums.

A few popular companies and some of their more popular discounts can be read below.

• State Farm offers discounts for passive restraint, multiple policy, accident-free, driver’s education, multiple autos, and safe vehicle.
• Esurance includes discounts for Switch & Save, claim free, safety device, anti-lock brakes, online quote, good driver, and multi-car.
• Progressive has discounts for multi-policy, homeowner, multi-vehicle, continuous coverage, and online quote discount.
• Liberty Mutual has savings for preferred payment discount, newly married, new graduate, multi-policy, exclusive group savings, and teen driver discount.
• Auto-Owners Insurance offers premium reductions for multi-policy, safe vehicle, paperless, anti-theft, paid in full, anti-lock brakes, and multiple vehicles.
• GEICO may offer discounts for seat belt use, driver training, good student, anti-theft, and federal employee.

When getting free Baytown car insurance quotes, it’s a good idea to every prospective company what discounts are available to you. Some discounts listed above may not apply to policies in every state.

Lower Baytown auto insurance rates

Smart consumers have a good feel for a few of the rating criteria that help calculate your auto insurance rates. If you know what influences your rates, this helps enable you to make changes that could help you find big savings.

• Married drivers pay lower prices – Having a significant other may save some money on your policy. It is viewed as being more responsible and statistics show married drivers get in fewer accidents.
• Where you live plays a part – Residing in a small town can save you money when talking about auto insurance. Drivers who live in large cities tend to have much more traffic and higher rates of accident claims. Less people living in that area means less chance of accidents in addition to lower liability claims
• Consider raising coverage deductibles – Physical damage coverage, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered would be a dented fender, hail damage, and damage caused by flying debris. The deductibles represent how much money you are willing to pay before your auto insurance pays a claim. The more you pay before a claim is paid (deductible), the lower your rates will be.
• Reserve policy claims for larger damages – Companies in Texas generally give better rates to policyholders who only file infrequent claims. If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Your insurance policy is designed for claims that pose a financial burden.
• Liability limits on your policy – Liability insurance will provide protection if ever a jury decides you are liable for an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Can a thief steal your car? – Owning a car with a theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

You may need specialized insurance coverage

When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Your situation is unique.

Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

• Do I have coverage when using my vehicle for my home business?
• Is my teen driver covered when they drive my company car?
• Am I covered if I hit a deer?
• Do I need motorclub coverage?
• At what point should I drop full coverage?
• Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Get rate quotes but still have a neighborhood Baytown auto insurance agent

Many people would rather visit with an insurance agent and there is nothing wrong with that. Professional agents will help you protect your assets and will help you if you have claims. One of the great benefits of comparing insurance online is you can get better rates and still have a local agent. And supporting local insurance agencies is especially important in Baytown.

After completing this form (opens in new window), the quote information is submitted to local insurance agents in Baytown that can give you free Baytown car insurance quotes for your insurance coverage. It’s much easier because you don’t need to search for any insurance agencies as quotes are delivered to you directly. If for some reason you want to get a rate quote for a specific company, you can always visit that company’s website and give them your coverage information.

Best auto insurance agent in Baytown

If you are wanting to find a local insurance agency, it helps to know the two types of insurance agents from which to choose. Baytown agents are either independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it’s important to know how they differ since it can affect which type of agent you select.

Independent Insurance Agents

Agents in the independent channel do not sell for just one brand so as a result can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, they simply switch companies in-house and you don’t have to do anything.

If you are comparing insurance prices, you absolutely need to include rate quotes from several independent agencies to have the most options to choose from.

Featured below is a small list of independent insurance agents in Baytown that can possibly get you price quotes.

More Baytown agents

Exclusive Insurance Agents

Agents that choose to be exclusive are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates.

The following are Baytown exclusive agencies willing to provide price quote information.

More Baytown agents

Choosing the best auto insurance agent needs to be determined by more than just a cheap price quote. These questions are important to ask:

• When do they do a full risk review?
• Do they see any coverage gaps in your plan?
• Are they giving you every discount you deserve?
• Does the company have a local claim office in Baytown?
• Is there a 24/7 contact number?
• Is the agent CPCU or CIC certified?
• Are they properly licensed to sell insurance in Texas?

Auto insurance overall losses by make and model

Are you driving a vehicle that ranks high in claims? The tables below show the highest and lowest makes and models for the probability of filing claims organized by coverage.

Don’t give up on cheap coverage

You just read many ways to find cheaper coverage online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest priced car insurance comes from a small mutual company.

When you buy Baytown car insurance online, do not skimp on coverage in order to save money. In many cases, an insured cut liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, poor customer service, denial of a claim and an unsatisfactory settlement offer. Whatever your reason, switching car insurance companies is less work than it seems.

Even more information can be read at these sites:

• Vehicle Insurance in the U.S. (Wikipedia)
• Who Has the Cheapest Auto Insurance Quotes for a Toyota Tacoma in Houston? (FAQ)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Auto Insurance Learning Center (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)