Do you need a better way to compare more affordable insurance rates in Houston, TX? Houston buyers have a choice when searching for the best price on Chevy Uplander insurance. They can either spend hours driving around trying to get quotes or use the internet to find the lowest rates.
There are more efficient ways to shop for insurance so we’re going to tell you the absolute fastest way to quote coverages for your Chevy and find the lowest price from both online companies and Houston agents.
It’s a good idea to compare rates occasionally because insurance prices are usually higher with each renewal. Even if you think you had the best deal on Chevy Uplander insurance in Houston last year the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because it’s time to teach you one of the quickest ways to properly buy coverages and cut your premium.
Companies offering Chevy Uplander insurance in Texas
The providers in the list below provide quotes in Houston, TX. If multiple companies are shown, we recommend you visit two to three different companies in order to get a fair rate comparison.
Auto insurance policy discounts for Chevy Uplander insurance in Houston
Some companies don’t always publicize the entire discount list in a way that’s easy to find, so we took the time to find some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Houston auto insurance online. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.
- Onboard Data Collection – Insureds who allow their insurance company to analyze when and where they use their vehicle through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
- 55 and Retired – Older drivers can get a slight reduction on a Houston auto insurance quote.
- Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- Passive Restraint Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
- Good Grades Discount – This discount may save as much as 25% on a Houston auto insurance quote. Earning this discount can benefit you well after school through age 25.
Policy discounts save money, but many deductions do not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So even though you would think all the discounts add up to a free policy, auto insurance companies aren’t that generous.
A list of auto insurance companies and some of the premium reductions they offer include:
- Progressive offers premium reductions for online signing, homeowner, multi-vehicle, continuous coverage, online quote discount, and multi-policy.
- SAFECO includes discounts for teen safe driver, anti-theft, homeowner, accident prevention training, anti-lock brakes, and safe driver.
- American Family offers discounts including early bird, multi-vehicle, bundled insurance, TimeAway discount, good student, air bags, and accident-free.
- MetLife discounts include claim-free, good student, multi-policy, good driver, and accident-free.
- GEICO may offer discounts for multi-policy, anti-lock brakes, anti-theft, defensive driver, and five-year accident-free.
- The Hartford may include discounts for defensive driver, bundle, good student, vehicle fuel type, driver training, and air bag.
If you need affordable Houston auto insurance quotes, ask all the companies which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. To view companies that offer discounts in Houston, click here to view.
Buying auto insurance from Houston insurance agents
A lot of people would rather get professional advice from a licensed agent and that is recommended in a lot of cases Experienced insurance agents can help determine the best coverages and help file insurance claims. The best thing about comparing insurance prices online is you can get cheap rate quotes but also keep your business local. Buying from and supporting neighborhood agents is still important in Houston.
To make it easy to find an agent, after completing this short form, the coverage information is submitted to local insurance agents in Houston who will give competitive quotes for your insurance coverage. You never need to find an agent on your own because quoted prices will be sent to you. If you want to compare rates from one company in particular, feel free to jump over to their website and fill out their quote form.
When researching a local Houston insurance agency, there are a couple of different agency structures that you can select. Agents in Houston are categorized either exclusive or independent (non-exclusive). Either one can insure your vehicles, but it’s good to learn the difference in how they write coverage because it can impact the selection process.
Independent Agents (or Brokers)
Agents that elect to be independent are not limited to a single company so they have the ability to put coverage with any number of different companies and find the cheapest auto insurance rates. If you want to switch companies, they can switch companies in-house and that require little work on your part. When comparing auto insurance prices, you will want to include several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with small mutual carriers which may provide better rates.
Featured below is a small list of independent agents in Houston that may be able to give you competitive price quotes.
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map
- Moon Insurance Agency
360 FM 1959 – Houston, TX 77034 – (281) 484-8320 – View Map
- R.Y.A. Insurance Agency, Inc.
12155 Jones Rd #300 – Houston, TX 77070 – (281) 469-6286 – View Map
Exclusive Insurance Agents
These agents can only write with one company such as State Farm, Allstate, or Farmers Insurance. They generally cannot provide other company’s prices so they have no alternatives for high prices. Exclusive agents receive extensive training on their products and sales techniques which can be an advantage. Some insured continue to choose to use an exclusive agent mostly because of the prominence of the brand and strong financial ratings.
Below are exclusive insurance agents in Houston who can help you get price quote information.
- Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map
- State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
- State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500 – View Map
Choosing an auto insurance agent requires more thought than just the price. Any good agent in Houston should know the answers to these questions.
- How experienced are they in personal risk management?
- Does the agent help file claims?
- Do they offer rental car reimbursement?
- Does the quote include credit and driving reports?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will they make sure you get an adequate claim settlement?
- What insurance company do they write the most business with?
If you get acceptable answers to any questions you have as well as a affordable price, it’s a good possibility that you have found an insurance agent that can be relied on to provide auto insurance coverage.
Texas consumers can’t get away from all the ads for the lowest price insurance by companies like 21st Century, Allstate and State Farm. All the ads tend to make the same promise that drivers will save a bundle after switching to their company.
How is it plausible that every one can claim to save you money?
Insurance providers look for specific characteristics for the type of driver that is profitable for them. A good example of a driver they prefer may be between 30 and 50, has never had a policy lapse, and drives a safe vehicle. Any customer who matches those parameters will most likely get cheap prices and will also save some money.
Insureds who don’t qualify for this stringent profile will see higher premiums and ends up with the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. This is how companies can truthfully make those statements.
This really drives home the point why you really should get Houston auto insurance quotes from several different companies. It’s just not possible to know which company will have the lowest rate quotes.
Insurance coverage specifics
Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.
Comprehensive auto coverage
This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from flooding, vandalism, hail damage and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chevy Uplander.
Since a lot of drivers only carry the minimum required liability limits (30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liability limits.
Auto liability insurance
This protects you from damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 30/60/25 which stand for a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles, structural damage and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for bills such as dental work, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
This coverage covers damage to your Uplander caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims such as crashing into a building, colliding with a tree, hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Uplander to get cheaper collision coverage.
Affordable car insurance rates are possible
In this article, we covered a lot of information how to find cheaper Chevy Uplander insurance in Houston. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest premium rates come from the least-expected company.
Lower-priced car insurance in Houston is attainable from both online companies and with local Houston insurance agents, so you need to quote Houston auto insurance with both to get a complete price analysis. Some companies may not provide online quoting and many times these regional carriers provide coverage only through local independent agencies.
When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your objective should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.
- What to do at the Scene of an Accident (Insurance Information Institute)
- What is the Cheapest Auto Insurance in Houston, TX? (FAQ)
- Who Has Cheap Auto Insurance Rates for Uninsured Drivers in Houston? (FAQ)
- Who Has the Cheapest Houston Car Insurance Quotes for a Company Car? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Shopping for a Safe Car (Insurance Information Institute)