No normal person gets a kick out of paying for insurance, especially knowing the price is too high.
Shocking but true, most drivers kept buying from the same company for at least the last four years, and practically 40% of insurance customers have never compared rate quotes at all. Many drivers in Houston could cut their rates by as much as $1,770 a year just by getting comparison quotes, but they just don’t understand how easy it is to compare other rate quotes.
Multiple insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the lowest rate on Chevy TrailBlazer insurance in Houston.
If you are paying for car insurance now, you will surely be able to lower your rates using these methods. Finding the cheapest coverage in Houston is not that difficult as long as you know where to start. But Texas drivers can benefit from knowing how big insurance companies sell online and take advantage of how the system works.
To find cheap quotes, there are a couple of ways to get quotes from lots of Texas auto insurance companies. One of the best ways to find cheaper Chevy TrailBlazer rates is to use the internet to compare rates.
It’s so fast and easy to compare quotes online that it replaces the need to call or drive to each insurance agency near you. Comparing Chevy TrailBlazer insurance rates online reduces the need to sit down with an agent unless you have a complicated situation and need the extra assistance of a licensed agent. You can, however, price shop your coverage online but buy from a local insurance agent. When comparing auto insurance rates, know that comparing more prices gives you a better chance of getting better pricing.
The companies in the list below are ready to provide price quotes in Texas. If the list has multiple companies, we suggest you visit two to three different companies in order to find the lowest rates.
Verify you’re earning every discount
Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Certain reductions will be credited at the time of quoting, but a few must be asked about prior to receiving the credit.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Anti-lock Brake System – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
- New Vehicle Savings – Buying a new car instead of a used TrailBlazer can be considerably cheaper because new vehicles are generally safer.
- Senior Citizens – If you’re over the age of 55, you can get a small discount on rates.
- Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
One thing to note about discounts is that some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.
Insurance companies that may have many of the previously listed discounts may include but are not limited to:
If you are trying to find affordable Chevrolet TrailBlazer insurance quotes, ask each company which credits you are entitled to. Depending on the company, some discounts might not be available to policyholders in every state. If you would like to see a list of insurance companies who offer auto insurance discounts in Texas, click here to view.
What if I want to buy from local Houston auto insurance agents?
Some consumers still prefer to sit down and talk to an agent and doing so can bring peace of mind One of the benefits of comparing insurance online is you can get cheap insurance quotes and also buy local.
To make it easy to find an agent, after completing this short form, the quote information is immediately sent to insurance agents in Houston who will give competitive quotes for your business. You don’t have to leave your house because quoted prices will be sent to the email address you provide. Get lower rates without requiring a lot of work. In the event you want to get a comparison quote from one company in particular, you just need to jump over to their website and give them your coverage information.
Selecting a insurance company should depend on more than just a low price. Any agent in Houston should have no problem answering these questions:
- If independent agents, which companies do they recommend?
- Are claims handled at the agent’s location?
- Can you contact them at any time?
- How is replacement cost determined on your vehicle?
- Which companies can they place coverage with?
- Will the company cover a rental car if your car is getting fixed?
- How many years of experience in personal auto insurance do they have?
Best car insurance agent in Houston
When finding a reliable insurance agent, it’s helpful to know the different types of agencies and how they differ in how they can insure your vehicles. Houston agents are classified as either independent or exclusive.
Exclusive Agencies
Exclusive agents can only write with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are highly trained on their company’s products and that can be a competitive advantage.
Below are exclusive insurance agents in Houston who may provide you with price quote information.
Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 – View Map
James Banks – State Farm Insurance Agent
4809 Main St – Houston, TX 77002 – (713) 523-7100 – View Map
Felicia Boudreaux – State Farm Insurance Agent
14901 TX-249 #105 – Houston, TX 77086 – (713) 464-2077 – View Map
Independent Agents
Independent agents are not locked into one company and that allows them to write policies through many companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies which is easy for the insured.
If you need lower rates, you absolutely need to get insurance quotes from independent agents to get the most accurate price comparison.
Shown below are independent insurance agencies in Houston who can help you get price quote information.
AA-USA-Insurance
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map
TDECU INSURANCE AGENCY, LLC
1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283 – View Map
Texas General Insurance Agency
2500 West Loop S #210 – Houston, TX 77027 – (713) 622-5977 – View Map
If you feel you receive positive feedback to your questions as well as a price you’re happy with, you have narrowed it down to an insurance agent that meets your needs to adequately provide insurance. Just keep in mind you are entitled to cancel your coverage whenever you wish so don’t feel that you’re stuck with any specific agency for any length of time.
Lower Your Houston Insurance Rates
Many factors are part of the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other criteria are not as apparent such as whether you are married or your vehicle rating.
Lower premiums with alarms and GPS tracking – Buying a car with an alarm system can help lower your premiums. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft and help lower rates.
Marriage equates to better premiums – Your spouse helps lower the price when shopping for car insurance. It demonstrates that you tend to be less irresponsible and it’s proven that being married results in fewer claims.
Lower prices with continuous car insurance coverage – Having a lapse in insurance coverage is a quick way to trigger a rate increase. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the Texas DMV.
Stay claim-free and save money – If you frequently file small claims, don’t be surprised to see increased rates or even have your policy non-renewed. Insurance companies in Texas award discounts to people that do not abuse their auto insurance. Your insurance policy is intended for the large, substantial claims.
Cars with good safety ratings are cheaper to insure – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
Higher rates for stressful vocations – Occupations such as military personnel, business owners and medical professionals usually pay the highest rates attributed to stressful work requirements and extremely grueling work hours. On the flip side, occupations like professors, historians and homemakers have lower than average premiums.
Gals tend to be lower risk – Statistics show that females take fewer risks when driving. Now that doesn’t mean females are better drivers. Women and men have at-fault accidents in similar percentages, but males get into accidents with more damage. Men also tend to get higher numbers of serious violations like reckless driving and DUI.
Three main reasons to buy auto insurance
Even though it can be expensive, maintaining insurance is not optional due to several reasons.
First, just about all states have minimum liability requirements which means you are required to buy a specific level of liability insurance in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your TrailBlazer, most banks will force you to have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender will be forced to insure your Chevy at an extremely high rate and force you to reimburse them for it.
Third, auto insurance preserves not only your car but also your assets. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of buying auto insurance more than cancel out the cost, especially if you ever need it. Unknowingly, the average driver is overpaying more than $700 annually so you should quote and compare rates each time the policy renews to ensure rates are inline.
One last thing to lower rates
As you quote Houston auto insurance, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.
Low-cost Chevy TrailBlazer insurance in Houston can be purchased online as well as from independent agents in Houston, so you need to shop Houston auto insurance with both to have the best selection. Some insurance companies do not provide online quoting and these small, regional companies work with local independent agencies.
We just showed you quite a bit of information on how to find lower-cost Chevy TrailBlazer insurance in Houston. The key thing to remember is the more companies you get prices for, the better likelihood of getting cheaper Houston auto insurance quotes. You may even find the best price on insurance is with a small local company. Some small companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate or State Farm.
For more information, take a look at the articles below:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Houston Car Insurance Rates for a Ford F-150? (FAQ)
- How Much is Houston Auto Insurance for Ride Shares? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for Homeowners? (FAQ)
- Who Has the Cheapest Houston Auto Insurance Rates for Unemployed Drivers? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Vehicle Insurance (Wikipedia)