Want a free price quotes on lower-priced insurance rates in The Woodlands, TX? No car owner is fond of buying insurance, particularly when their premiums are through the roof.
Astonishing but true, over 70% of drivers kept buying from the same company for well over three years, and nearly 40% of drivers have never taken the time to shop around. The Woodlands insurance shoppers can save 70% each year just by shopping around, but they don’t know the large savings they would see if they switched to a more affordable policy.
Vehicle owners have many auto insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to find the lowest cost provider.
Earn discounts on The Woodlands insurance
Some insurance providers do not list their entire list of discounts very well, so the list below details a few of the more well known and the harder-to-find insurance savings.
- The Woodlands Homeowners Discount – Owning a home in The Woodlands can help you save on insurance since home ownership shows financial diligence.
- Passive Restraint Discount – Vehicles equipped with air bags can get savings up to 30%.
- Onboard Data Collection – People who choose to allow data collection to scrutinize driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as they are good drivers.
- Smart Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
- Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy life insurance from them.
- New Car Discount – Insuring a vehicle that is new is cheaper because new model year vehicles keep occupants safer.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. Most cut 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, you’re out of luck. But any discount should help lower your insurance premiums.
To locate providers that offer many of these discounts in The Woodlands, click here.
The best way we recommend to compare car insurance company rates takes advantage of the fact all the major auto insurance companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is provide the companies a bit of rating information including coverage limits, if you have an active license, if you lease or own, and whether you are single or married. That rating data is instantly submitted to insurance companies and you get price estimates almost instantly.
To start a quote now, click here and see if a lower rate is available in The Woodlands.
The providers in the list below are ready to provide free rate quotes in Texas. If multiple companies are listed, it’s a good idea that you click on several of them to find the cheapest auto insurance rates.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium | ||||
|---|---|---|---|---|---|---|---|
| Chevrolet Colorado LT 2WD | $1,074 | $537 | $90 | ||||
| Chevrolet Silverado LS Crew Cab 2WD | $1,378 | $689 | $115 | ||||
| Dodge Ram Crew Cab ST 4WD | $1,216 | $608 | $101 | ||||
| Ford Edge Limited 2WD | $1,122 | $561 | $94 | ||||
| Ford Escape XLT 4WD | $990 | $495 | $83 | ||||
| Ford F-150 FX2 Super Cab 2WD | $1,384 | $692 | $115 | ||||
| Ford Focus SEL 4-Dr Sedan | $1,242 | $621 | $104 | ||||
| GMC Sierra SL Crew Cab 4WD | $1,472 | $736 | $123 | ||||
| Honda Accord LX-P 4-Dr Sedan | $1,014 | $507 | $85 | ||||
| Honda CR-V EX 2WD | $1,230 | $615 | $103 | ||||
| Honda Civic SI 4-Dr Sedan | $1,124 | $562 | $94 | ||||
| Jeep Grand Cherokee Laredo 2WD | $1,010 | $505 | $84 | ||||
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,238 | $619 | $103 | ||||
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,302 | $651 | $109 | ||||
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,060 | $530 | $88 | ||||
| Toyota Camry XLE | $1,340 | $670 | $112 | ||||
| Toyota Corolla LE | $1,370 | $685 | $114 | ||||
| Toyota Prius | $1,124 | $562 | $94 | ||||
| Volkswagen Jetta S 2.5 Station Wagon | $830 | $415 | $69 | ||||
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify coverage prices considerably.
Careless driving habits raise The Woodlands auto insurance rates
The chart below shows how speeding tickets and at-fault collisions impact Hyundai Sonata insurance prices for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
Analysis of deductible levels
One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The premium rates below outline the differences in price of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Corolla S | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Corolla XLE | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Corolla XRS | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get a Quote for Your Vehicle Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Corolla S | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Corolla XLE | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Corolla XRS | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Get a Quote for Your Vehicle Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can revise premium rates significantly.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $29 more each month or $348 each year than buying the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 26 months between claim filings, you would probably be better off going with the higher deductible. The illustration below shows the way this decision is made.
| Average monthly premium for $250 deductibles: | $119 |
| Average monthly premium for $1,000 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
When to get professional advice
Always remember that when buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and your insurance should be unique as well.
These are some specific questions may help highlight if your insurance needs might need professional guidance.
- Does having multiple vehicles earn me a discount?
- Should I buy more coverage than the required Texas minimum liability coverage?
- Should I have a commercial auto policy?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- How much liability coverage do I need in Texas?
- Am I covered if I hit my neighbor’s mailbox?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Insurance agencies near you
Many drivers just want to sit down and talk to an agent and there is nothing wrong with that. The best thing about getting free rate quotes online is the fact that drivers can get the best rates but still work with a licensed agent. Putting coverage with local agencies is important particularly in The Woodlands.
After filling out this form (opens in new window), the quote information is emailed to local insurance agents that can give you free The Woodlands car insurance quotes for your insurance coverage. It’s much easier because you don’t need to contact an agency since rate quotes are delivered immediately to your email address. You can find the lowest rates and a licensed agent to talk to. If you need to compare prices from a specific insurance company, just visit that company’s website and give them your coverage information.
Shown below is a list of insurance companies in The Woodlands that may be able to provide price quotes.
Nationwide Insurance: Marc Hutson
5202 Shadowbend Pl #101 – The Woodlands, TX 77381 – (281) 364-0040 – View Map
Patrick Graham – State Farm Insurance Agent
30340 FM2978 Ste 600 – The Woodlands, TX 77354 – (832) 482-3300 – View Map
Preferred Choice Insurance and Financial Group
8111 Ashlane Way Suite 224 – The Woodlands, TX 77382 – (281) 863-9111 – View Map
Farmers Insurance: Jaime Talancon
8505 Technology Forest Pl #804 – The Woodlands, TX 77381 – (936) 447-9004 – View Map
Choosing the best insurer should depend on more than just the premium amount. Here are some questions to ask:
- How will an accident affect your rates?
- Which insurance companies are they affiliated with?
- Does their agency support local causes in The Woodlands?
- Does the agent help file claims?
- Do they receive special compensation for putting your coverage with one company over another?
- Are there any discounts that you might be missing?
- Can they help ensure a fair claim settlement?
Quote more to save more
Some insurance companies may not offer online rate quotes and usually these regional insurance providers sell through independent agents. Cheaper auto insurance in The Woodlands is definitely available from both online companies as well as from independent agents in The Woodlands, and you need to price shop both to get a complete price analysis.
We’ve covered quite a bit of information on how to save on auto insurance in The Woodlands. The key thing to remember is the more providers you compare, the higher your chance of finding low cost The Woodlands car insurance quotes. You may even find the best car insurance rates are with a small mutual company. These smaller insurers often have lower premium rates on specific markets as compared to the big name companies such as GEICO and State Farm.
More information
- State Car Insurance Guides (GEICO)
- What Car Insurance is Cheapest for Felons in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance Quotes for Real Estate Agents? (FAQ)
- Who Has Cheap Houston Auto Insurance for a Nissan Rogue? (FAQ)
- What Car Insurance is Cheapest for a Toyota RAV4 in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Tacoma in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance for a Jeep Grand Cherokee? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Welfare Recipients in Houston? (FAQ)
- How Much are Auto Insurance Rates for Drivers with Bad Credit in Houston? (FAQ)
- Collision Coverage (Liberty Mutual)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)