Do you want to save money by finding low-cost Pontiac Grand Prix insurance in Houston? If you’re looking for more affordable insurance online, are you frustrated by the wide range of insurance companies available to you? Lot’s of other drivers are too. Texas consumers have such a large number of options that it can quickly become a real difficult job to find the perfect company for you. Houston is a good city to live in, but expensive premiums for insurance can make it hard for many drivers to purchase enough protection.
A recent NerdWallet.com study revealed that almost 70% of drivers kept buying from the same company for well over three years, and almost 40% of drivers have never compared rate quotes at all. With the average premium in Texas being $2,680, drivers could pocket nearly $1,800 a year by just comparing quotes, but most just don’t grasp the actual amount they would save if they switched to a cheaper policy.
This information will help educate you on how auto insurance companies operate and also pocket some savings If you have insurance now, you will surely be able to get lower rates using the techniques covered below. But Texas vehicle owners need to learn the way companies determine premium rates and use it to find better rates.
Best companies for cheap Pontiac Grand Prix insurance in Texas
The companies in the list below offer price comparisons in Houston, TX. If more than one company is shown, we suggest you get price quotes from several of them in order to find the most competitive rates.
Do you qualify for discounts?
Companies offering auto insurance do not list every possible discount very clearly, so here is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for.
- No Accidents – Houston drivers who stay claim-free pay much less in comparison to accident-prone drivers.
- One Accident Forgiven – This one is not really a discount per se, but certain companies permit an accident before raising your premiums if you have no claims before the accident.
- Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- Sign Early and Save – Some companies provide a discount for buying a new policy prior to your current Grand Prix insurance policy expiration. This can save 10% or more.
- Resident Student – Kids who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
- Memberships – Affiliation with qualifying clubs or civic groups can get you a small discount on your bill.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
- Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
- Drive Less and Save – Keeping the miles down on your Pontiac can earn substantially lower prices.
- Responsible Drivers – Insureds without accidents may save up to 50% more than less cautious drivers.
Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.
A list of companies and some of their more popular discounts are included below.
- American Family offers discounts including good driver, bundled insurance, air bags, accident-free, TimeAway discount, multi-vehicle, and early bird.
- State Farm discounts include good driver, passive restraint, accident-free, multiple autos, safe vehicle, and driver’s education.
- 21st Century offers premium reductions for defensive driver, driver training, anti-lock brakes, teen driver, and 55 and older.
- Travelers has savings for multi-policy, student away at school, continuous insurance, driver training, and IntelliDrive.
- GEICO has discounts for driver training, military active duty, anti-theft, multi-policy, good student, and defensive driver.
Check with all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply in Houston. To see a list of insurers that provide some of the discounts listed above in Houston, click here to view.
Local Houston insurance agencies
Some consumers still like to buy from a local agent and doing so can bring peace of mind The biggest benefit of comparing rates online is that you can find lower rates but also keep your business local. Buying insurance from local insurance agencies is still important in Houston.
For easy comparison, once you complete this quick form, the coverage information is instantly submitted to insurance agents in Houston who will give competitive quotes for your insurance coverage. You won’t need to contact any insurance agencies because prices are sent immediately to your email address. You can find the lowest rates without requiring a lot of work. If you want to compare rates from a particular provider, you would need to go to their quote page and fill out their quote form.
Shown below is a list of insurance companies in Houston that are able to give rate quotes for Pontiac Grand Prix insurance in Houston.
- Town and Country Insurance Agency – Houston, TX
10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979 – View Map
- Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map
- Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103 – Houston, TX 77060 – (281) 445-1381 – View Map
- Anna Santa Ana – State Farm Insurance Agent
7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333 – View Map
Choosing the best company should include more criteria than just the quoted price. Any agent in Houston should be willing to answer these questions.
- Are they giving you every discount you deserve?
- Does the agent have a valid license to sell insurance in Texas?
- What are their preferred companies if they are an independent agency?
- How is replacement cost determined on your vehicle?
- How are claims handled?
- Is there a Errors and Omissions policy in force?
- If your car is in the repair shop, do you have coverage for a rental car?
Upon getting acceptable answers to these questions in addition to an acceptable price estimate, chances are good that you have found an insurer that can be trusted to service your policy.
A few companies don’t offer internet price quotes and these small insurance companies work with local independent agencies. More affordable auto insurance in Houston can be found from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection.
People who switch companies do it for a variety of reasons including unfair underwriting practices, delays in paying claims, extreme rates for teen drivers and even high prices. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.
While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
For more information, feel free to visit the following helpful articles:
- Determing Auto Insurance Rates (GEICO)
- Who Has Cheap Auto Insurance Quotes for a Toyota Camry in Houston? (FAQ)
- Who Has the Cheapest Car Insurance Rates for 4×4 Vehicles in Houston? (FAQ)
- How Much are Houston Car Insurance Quotes for Immigrants? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Under 25 in Houston? (FAQ)
- How Much is Car Insurance for Retired Military in Houston? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for Homeowners? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Optima in Houston? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Houston? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Liability Insurance Coverage (Nationwide)