Save Money on Chrysler Town and Country Insurance in Houston

Are you drained from trying to scrape together enough money to keep your car insured? You are no different than many other Texas consumers.

Shocking but true, a large majority of consumers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never compared rate quotes at all. The average driver in America could save up to $850 each year by just comparing quotes, but they don’t want to spend time to find lower-cost rates by getting comparison quotes.

Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the definite lowest cost out there.

You need to get comparison quotes before your policy renews because prices are usually higher with each renewal. Even if you got the best quotes on Chrysler Town and Country insurance in Houston last year a different company probably has better rates today. Forget anything you know (or think you know) about insurance because we’re going to show you one of the quickest ways to properly buy coverages and cut your premium.

Most companies allow you to get prices for coverage online. Doing online price comparisons for Chrysler Town and Country insurance in Houston is fairly simple because you just enter the amount of coverage you want as detailed in the form. Upon sending the form, their quoting system orders reports for credit and driving violations and quotes a price based on the data you entered. This makes comparing rates easy, and it is important to perform this step in order to get affordable rates.

If you want to use this form to compare rates, compare rates from the companies below. If you have your current policy handy, we recommend that you enter coverages and limits as close as possible to your current policy. Doing this assures you will have comparison quotes for similar insurance coverage.

The companies shown below offer quotes in Houston, TX. If multiple companies are shown, we recommend you visit two to three different companies in order to find the lowest rates.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in specific garaging location which can revise premium rates noticeably.

Policy deductible comparison

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The rates shown below may help to conceptualize the rate differences between high and low policy deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific Houston garaging location which can affect prices noticeably.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $15 more each month or $180 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claims, you would save more money by selecting a higher deductible.

Why you need insurance for your vehicle

Despite the high cost, insurance is required by state law in Texas and it also provides benefits you may not be aware of.

• Almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability coverage if you want to drive 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.
• If you have a lien on your Town and Country, most banks will require that you have full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Chrysler for a lot more money and force you to pay the higher price.
• Insurance protects both your Chrysler Town and Country and your assets. It will also reimburse you for hospital and medical expenses that are the result of an accident. Liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having insurance are without a doubt worth the cost, particularly when you have a large claim. The average driver in America is wasting up to $825 a year so compare rates at every renewal to help ensure money is not being wasted.

Take policy discounts and save on Chrysler Town and Country insurance in Houston

Car insurance is not cheap, but there may be some discounts that could help you make your next renewal payment. Some discounts apply automatically when you get a quote, but less common discounts must be specially asked for prior to receiving the credit. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.

• Resident Student – Children living away from Houston attending college and won’t have access to an insured vehicle may qualify for this discount.
• Mature Driver Discount – Drivers over the age of 55 can get a discount up to 10%.
• Own a Home – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
• Driver Safety – Taking part in a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
• Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.

Just know that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce the premium cost.

Companies that have these money-saving discounts include:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

If you need cheaper Houston auto insurance quotes, ask all the companies to give you their best rates. All car insurance discounts might not apply in your state. To see insurance companies that provide some of the discounts listed above in Houston, click here to view.

Local agents and car insurance

Some people still prefer to talk to an insurance agent and that is not a bad decision The best thing about comparing rates online is that drivers can save money and get lower prices and still have an agent to talk to. Buying insurance from local agencies is important especially in Houston.

To make it easy to find an agent, after completing this short form, your insurance data is emailed to local insurance agents that give free quotes for your business. It’s much easier because you don’t need to do any legwork since rate quotes are delivered to you. You can find the lowest rates and a licensed agent to talk to. In the event you want to quote rates from a specific insurance company, you can always visit that company’s website and submit a quote form there.

Pick the best car insurance agent in Houston for you

If you need to find local Houston agents, it’s helpful to know the different types of agents to choose from. Car insurance agents in Houston can be categorized as either exclusive or independent.

Independent Agencies or Brokers

These type of agents are not locked into one company so they have the ability to put coverage through lots of different companies and find the cheapest car insurance rates. If you are not satisfied with one company, they simply move your policy to a different company and you don’t have to find a new agent.

When comparing rates, we recommend you include at least one independent agent for the best price selection.

Featured below is a partial list of independent agents in Houston who can help you get competitive price quotes.

View more agents

Exclusive Car Insurance Agencies

Agents in the exclusive channel generally can only insure with one company and some examples include Farmers Insurance and State Farm. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on the products they sell which helps overcome the inability to quote other rates.

Below is a short list of exclusive insurance agents in Houston that are able to give price quote information.

View more agents

Picking the best insurance agency should depend on more than just the price. Below are some questions you should ask.

• Do they feel the quoted coverages are adequate?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Is the agency involved in supporting local community causes?
• Has the agent ever had any license suspensions?
• Are they primarily personal or commercial lines agents in Houston?

Don’t give up on cheaper premiums

We’ve covered many tips how you can save on Chrysler Town and Country insurance in Houston. It’s most important to understand that the more providers you compare, the better likelihood of getting the cheapest Chrysler Town and Country rate quotes. You may even find the biggest savings come from a small mutual company. These companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate and Progressive.

When you buy Houston auto insurance online, do not buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage to discover at claim time that it was a big mistake. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

To learn more, feel free to visit the following helpful articles:

• Medical Payments Coverage (Liberty Mutual)
• Who Has the Cheapest Car Insurance Rates for 4×4 Vehicles in Houston? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Ford Explorer in Houston? (FAQ)
• Who Has the Cheapest Houston Auto Insurance Rates for Unemployed Drivers? (FAQ)
• Child Safety FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)