Cheap Quotes on League City Car Insurance

Locating cheaper insurance for a car in Texas can turn out to be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare insurance rates so you’re going to learn the quickest way to quote coverages on a and get the lowest price either online or from League City insurance agents.

Auto insurance companies in Texas

The companies shown below offer quotes in Texas. If multiple companies are listed, it’s a good idea that you get rate quotes from several of them in order to get a fair rate comparison.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in garaging location in League City which can influence insurance rates considerably.

Full coverage rates vs. liability-only

The diagram below shows the comparison of Chevrolet Silverado auto insurance rates with liability coverage only compared to full coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, single male driver, and no discounts are taken into consideration.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying full coverage

There is no clear-cut formula for dropping physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your Chevrolet Silverado claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are some situations where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Eight discounts to earn lower League City insurance rates

Companies do not list every policy discount in a way that’s easy to find, so the next list breaks down a few of the more common and also the lesser-known credits available to lower your premiums when you buy League City car insurance online.

• League City Homeowners Pay Less – Owning your own home or condo can get you a discount because of the fact that having a home requires personal responsibility.
• Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.
• Policy Bundle Discount – If you combine your home and auto policies with the same insurance company you may earn up to 20% off your total premium.
• Low Miles Discount – Fewer annual miles can qualify you for better rates on cars that stay parked.
• Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. You can save around 10% with this discount.
• Safe Drivers – Drivers who avoid accidents can pay as much as 50% less compared to accident prone drivers.
• Multiple Cars – Buying insurance for several vehicles on the same insurance policy can get a discount on all vehicles.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

Companies and a selection of discounts are shown below.

• American Family has discounts for multi-vehicle, bundled insurance, defensive driver, good student, Steer into Savings, and accident-free.
• Farm Bureau offers discounts including renewal discount, multi-vehicle, multi-policy, safe driver, 55 and retired, and good student.
• State Farm policyholders can earn discounts including multiple autos, safe vehicle, anti-theft, multiple policy, and good student.
• Travelers offers discounts for home ownership, student away at school, IntelliDrive, hybrid/electric vehicle, and good student.
• The Hartford includes discounts for good student, bundle, defensive driver, vehicle fuel type, and anti-theft.
• GEICO has savings for good student, defensive driver, multi-vehicle, air bags, seat belt use, and five-year accident-free.
• Progressive may offer discounts for multi-policy, good student, online signing, online quote discount, and continuous coverage.

When getting a coverage quote, ask every insurance company to give you their best rates. Some discounts listed above might not be available to policyholders in your area.

Shop online but buy locally

Some consumers still prefer to buy from a licensed agent and that is a personal choice. Good insurance agents can help determine the best coverages and will help you if you have claims. The biggest benefit of comparing auto insurance online is that drivers can save money and get cheap rate quotes but still work with a licensed agent. Buying from and supporting local insurance agencies is important particularly in League City.

By using this short form, your coverage information is immediately sent to local insurance agents in League City who can give free rate quotes for your business. There is no reason to contact any insurance agencies because quoted prices will be sent to you. If you wish to get a rate quote from a specific company, feel free to find their quoting web page and submit a quote form there.

If you would like to find a good insurance agency, it helps to know the two different agency structures that you can select. Agents can be categorized as either exclusive agents or independent agents. Either one can handle auto insurance, but it’s worth learning why they differ because it can factor into the kind of agent you use.

Independent Agencies or Brokers

Agents in the independent channel do not have single company limitations so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. If you are comparing rate quotes, you need to get some free quotes from multiple independent agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with smaller mutual companies which could offer lower prices.

The following is a partial list of independent agents in League City who may be able to give you pricing information.

• Nationwide Insurance: Coady and Lewis Associates Inc
  1241 Butler Rd – League City, TX 77573 – (281) 956-1056 – View Map
• Western Insurance Agency Inc
  2450 South Shore Blvd #300 – League City, TX 77573 – (800) 833-8071 – View Map
• Powell Insurance Agency
  817 W Main St – League City, TX 77573 – (281) 332-7132 – View Map

More insurance agents

Exclusive Insurance Agents

Agents of this type generally can only insure with one company such as AAA, Allstate, and State Farm. These agents are unable to compare rates from other companies so they have no alternatives for high prices. They are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point. Consumers frequently buy insurance from these agents partially due to the brand name and solid financial strength.

Listed below are exclusive insurance agencies in League City that can give you price quote information.

• Allstate Insurance: Brent Barnes
  5010 W Main St, Ste I – League City, TX 77573 – (281) 554-6277 – View Map
• Steve Bridges – State Farm Insurance Agent
  2891 FM 518 Rd E – League City, TX 77573 – (281) 334-2222 – View Map
• Allstate Insurance: Alex Orellana
  1355 E Lg Cty Pkwy, Ste 700 – League City, TX 77573 – (281) 231-0058 – View Map

More insurance agents

Choosing the best car insurance agent should depend on more than just a cheap price quote. Ask your prospective agent these questions:

• Do you qualify for any additional discounts?
• Are they able to influence company decisions when a claim is filed?
• Do the coverages you’re quoting properly cover your vehicle?
• Where are claims handled?
• If you have an accident, will your rates go up?

If you receive positive feedback for all questions you ask and a good coverage price, you have narrowed it down to an insurance agency that can be trusted to insure your vehicles. Just remember policyholders can terminate coverage whenever you choose to so never feel that you’re stuck with any particular company for the full term.

But the ad said I’d save 15% in 15 minutes!

Texas drivers can’t escape the ads that claim the cheapest premium rates by Progressive, Allstate and GEICO. They all state the claim about how much you will save if you move your coverage.

How does each company make the same claim? This is the way they can do it.

Many companies offer their best rates for the driver that will not have excessive claims. An example of a profitable risk profile may be a married female, has no claims, and drives less than 5,000 miles a year. A customer getting a price quote that hits that “sweet spot” will probably get the lowest rates and will cut their car insurance rates if they switch.

Potential customers who fall short of this ideal profile may be forced to pay a higher rate and this can result in the customer buying from a different company. If you listen closely, the ads state “customers who switch” not “everyone who quotes” can get the lowest rates when switching. This is how companies can lure you into getting a quote.

That is why drivers should compare many company’s prices. It’s impossible to know which car insurance company will fit you best based on your risk profile.

Specific coverage details

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for liability – This coverage protects you from damage or injury you incur to people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 30/60/25 that translate to $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, medical expenses, legal defense fees, bail bonds and emergency aid. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but drivers should carry more coverage.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, theft, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your vehicle.

Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Vehicle claim statistics

Which vehicles have good claim ratings? The tables below list the best and worst cars and trucks for the probability of having claims for each type of coverage.

Lower rates by being persistent

We’ve covered many ideas to get a better price on car insurance in League City. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your premium rates. You may even discover the lowest auto insurance rates are with a smaller regional carrier.

When you buy League City car insurance online, do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

Consumers change insurance companies for any number of reasons including poor customer service, an unsatisfactory settlement offer, denial of a claim or even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

Additional car insurance information is located below:

• Comprehensive Coverage (Liberty Mutual)
• Who Has Affordable Houston Car Insurance Rates for a Ford F-150? (FAQ)
• Who Has the Cheapest Car Insurance for Nurses in Houston? (FAQ)
• What Insurance is Cheapest for a Toyota Highlander in Houston? (FAQ)
• How Much are Auto Insurance Quotes for Drivers with a DUI in Houston? (FAQ)
• Older Driver Statistics (Insurance Information Institute)
• Bodily Injury Coverage (Liberty Mutual)