Searching for better insurance prices for your car in Texas could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the quickest way to get price quotes on a and find the lowest price.
If you have a policy now or are just looking to switch companies, use these cost-cutting techniques to cut your premiums without sacrificing coverage. Quoting and comparing rates for affordable auto insurance in Missouri City is simple if you know the tricks. Comparison shoppers only need an understanding of the most efficient way to compare price quotes online from multiple companies.
The fastest way that we advise to compare rate quotes is to know the trick most larger insurance companies participate in a system to give you rate quotes. The only thing you need to do is provide information such as if the vehicle is leased, if you have an active license, how you use your vehicles, and coverage limits. The data is instantly sent to multiple car insurance providers and they provide comparison quotes quickly.
To get price quotes for your car now, click here then complete the form.
The companies in the list below have been selected to offer quotes in Missouri City, TX. If multiple companies are listed, we recommend you visit as many as you can to find the lowest auto insurance rates.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium | ||||
|---|---|---|---|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 4WD | $908 | $454 | $76 | ||||
| Chevrolet Equinox LTZ AWD | $1,642 | $821 | $137 | ||||
| Chevrolet Silverado LT Extended Cab 2WD | $1,224 | $612 | $102 | ||||
| Dodge Grand Caravan SXT | $1,180 | $590 | $98 | ||||
| Dodge Ram Crew Cab TRX 4WD | $1,234 | $617 | $103 | ||||
| Ford Escape XLS 2WD | $1,254 | $627 | $105 | ||||
| Ford F-150 Lariat King Ranch 2WD | $1,378 | $689 | $115 | ||||
| Ford Focus SE 2-Dr Coupe | $1,456 | $728 | $121 | ||||
| Ford Fusion SEL 4-Dr Sedan | $1,080 | $540 | $90 | ||||
| GMC Sierra SLE Regular Cab 2WD | $1,200 | $600 | $100 | ||||
| Honda Accord LX 4-Dr Sedan | $1,014 | $507 | $85 | ||||
| Honda CR-V EX-L 2WD | $1,172 | $586 | $98 | ||||
| Honda Civic LX-S 4-Dr Sedan | $1,194 | $597 | $100 | ||||
| Jeep Wrangler Sahara 4WD 2-Dr | $1,280 | $640 | $107 | ||||
| Mazda 3 I Touring 4-Dr Sedan | $1,068 | $534 | $89 | ||||
| Nissan Altima 2.5 S 4-Dr Sedan | $1,064 | $532 | $89 | ||||
| Nissan Rogue SL AWD | $1,836 | $918 | $153 | ||||
| Toyota Camry XLE | $1,038 | $519 | $87 | ||||
| Toyota Corolla LE | $1,224 | $612 | $102 | ||||
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in Missouri City location which can decrease or increase rates significantly.
Should you raise deductibles?
The illustration below illustrates how choosing a deductible and can influence Hyundai Sonata premium costs for each age group. The premium estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
Auto insurance premiums by gender
The information below compares insurance premiums for male and female drivers in Missouri City. Data assumes no claims, a clean driving record, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied on a Toyota Corolla S.
Toyota Corolla rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Car insurance is not optional
Despite the fact that car insurance is not cheap in Missouri City, insurance serves a purpose in several ways.
First, just about all states have minimum liability requirements which means you are required to buy a minimum amount of liability protection if you don’t want to risk a ticket. 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 your vehicle has a lien holder, it’s guaranteed your bank will stipulate that you buy insurance to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your vehicle at a much higher rate and force you to pay for the much more expensive policy.
Third, insurance protects both your vehicle and your personal assets. It will also pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having car insurance are definitely more than the cost, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying more than $855 a year so shop around each time the policy renews to be sure current rates are still competitive.
Components of your insurance premiums
It’s important that you understand a few of the rating criteria that help calculate your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that could help you find lower premium levels. Multiple criteria are taken into consideration when quoting car insurance. Some factors are common sense like an MVR report, although others are not as apparent like where you live or your financial responsibility.
Listed below are some of the most common factors used by your company to calculate your rates.
Is your vehicle theft-ready? – Choosing to buy a car with a theft deterrent system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.
Never let your car insurance policy lapse – Driving with no insurance is not a good idea and any future policy may cost more because you let your insurance lapse. In addition to paying higher premiums, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
Raise comp and collision deductibles and save – Deductibles for physical damage state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Protection for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some examples of covered claims would be a windshield broken by a bird, fire damage, or theft of your vehicle. The more money you have to pay, the better rate you will receive.
Urban residents pay more – Residing in a rural area may provide you with better prices when buying car insurance. People who live in big cities tend to have congested traffic and higher rates of accident claims. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
Teenagers are high risk – Older drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and are safer drivers.Drivers with little experience have a tendency to be more careless when driving so they pay higher car insurance rates.
Lower your car insurance rates with discounts
Companies do not list every discount available in a way that’s easy to find, so below is a list both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy Missouri City auto insurance online.
- Braking Control Discount – Vehicles with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
- Responsible Drivers – Drivers who don’t get into accidents could pay up to 40% less than drivers with accidents.
- Student Discounts – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education in high school.
- Discount for Home Ownership – Simply owning a home can save a few bucks because maintaining a house is proof of financial responsibility.
- No Claims – Insureds with no claims or accidents can save substantially in comparison with drivers with a long claim history.
- Clubs and Organizations – Joining qualifying clubs or civic groups is a simple method to lower premiums on your next car insurance statement.
A little disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, companies don’t profit that way.
To view insurance companies with the best car insurance discounts in Missouri City in Missouri City, click here.
Exclusive versus independent car insurance agents
A lot of people still like to visit with an insurance agent and often times that is recommended Experienced insurance agents can make sure you are properly covered and will help you if you have claims. A nice benefit of getting online price quotes is you can get cheap car insurance quotes and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to local insurance agents in Missouri City who will give you quotes for your coverage. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent directly to you. If you have a need to get a rate quote from a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Choosing an insurer should depend on more than just the premium amount. Get answers to these questions too.
- Will your rates increase after a single accident?
- Do they get paid more for recommending certain coverages?
- Are they involved in claim handling?
- How many companies do they write for?
- Does the company allow you to choose your own collision repair facility?
Types of car insurance agents in Missouri City
If you prefer to buy car insurance from a reputable insurance agent or broker, you must know there are a couple different agency structures and how they function. Agents in Missouri City are either exclusive or independent agents depending on their company appointments. Either one can sell affordable car insurance policies, but it’s worth learning how they differ since it may influence buying decisions.
Exclusive Agents
Agents in the exclusive channel can only quote rates from one company and some examples include Allstate and State Farm. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. These agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Some people will only buy insurance from these agents mostly because of the brand legacy and solid financial strength.
Below is a list of exclusive insurance agents in Missouri City willing to provide comparison quotes.
- Allstate Insurance: Monica Miller
3331 Cartwright Rd Ste 200 – Missouri City, TX 77459 – (281) 607-1754 – View Map - Allstate Insurance: Will Hayes
8880 Hwy 6 Ste 180 – Missouri City, TX 77459 – (281) 778-0008 – View Map - Sue Cheung – State Farm Insurance Agent
4501 Cartwright Rd #602 – Missouri City, TX 77459 – (281) 969-8281 – View Map
Independent Car Insurance Agents
These agents often have many company appointments and that enables them to quote your coverage with many different companies and potentially find a lower price. If you want to switch companies, your agent can switch companies and you don’t have to switch agencies.
When shopping rates, you should always contact several independent agencies so that you can do a thorough price comparison. Many can place coverage with smaller regional carriers which may provide better rates.
Listed below are Missouri City independent agents who can help you get price quote information.
- G Layne Shead – Prudential Financial
2602 Glen Lakes Lane – Missouri City, TX 77459 – (281) 437-5888 – View Map - Kinion Insurance Agency
1711 Texas Pkwy – Missouri City, TX 77489 – (281) 261-0220 – View Map - Vela Marcos
6140 Hwy 6 – Missouri City, TX 77459 – (281) 778-5479 – View Map
If you receive positive feedback to any questions you may have in addition to an acceptable price estimate, you’ve probably found an insurance agent that is reliable enough to adequately provide car insurance. Just be aware that you have the power to terminate your policy whenever you want so don’t feel that you are permanently stuck with any specific agency for a certain time period.
The best insurance company isn’t always the cheapest
We just presented a lot of ways to get a better price on insurance in Missouri City. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the best price on insurance is with a small local company.
Drivers leave their current company for many reasons like not issuing a premium refund, delays in responding to claim requests, questionable increases in premium or poor customer service. Regardless of your reason for switching companies, switching companies is not as hard as you think.
Budget-conscious insurance is possible both online and with local Missouri City insurance agents, and you need to price shop both to have the best selection. Some companies don’t offer the ability to get quotes online and most of the time these smaller providers prefer to sell through independent agencies.
More detailed insurance information can be read by following these links:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance After a Speeding Ticket in Houston? (FAQ)
- Who Has Affordable Houston Car Insurance Rates for a Ford F-150? (FAQ)
- Who Has Cheap Car Insurance Quotes for a 20 Year Old Male in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Elantra in Houston? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for a 20 Year Old Female? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Houston? (FAQ)
- Who Has Cheap Auto Insurance Quotes for High School Students in Houston? (FAQ)
- Frontal Crash Tests (iihs.org)
- Booster Seat Ratings (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)