Did a good deal turn out to be overpriced Lexus NX 200t insurance in Houston? Say no more because there are many Houston consumers feeling the pinch from expensive insurance.
It’s shocking but the vast majority of drivers renewed their policy with the same company for more than four years, and almost half have never quoted rates to find cheaper coverage. Many consumers in America could save roughly 46.5% a year by just comparing quotes, but most just don’t grasp how much money they would save if they swap their current policy for a cheaper one. Because there are so many online and local companies to choose from, it can be hard to find the lowest cost company.
Finding the cheapest insurance coverage in Houston is much easier if you have a good place to start. If you have coverage now or are shopping for new coverage, use these money-saving tips to get lower rates and possibly find even better coverage. You only need an understanding of the proper way to compare insurance rates online from multiple companies.
Best Lexus NX 200t insurance prices in Texas
The companies in the list below are our best choices to provide free rate quotes in Houston, TX. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the most affordable price.
Learn How to Quote Insurance More Affordably
Many factors are used in the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are more transparent such as your credit history and annual miles driven.
Females tend to take less risk – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men tend to get into accidents at about the same rate, but guys have accidents that have higher claims. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
More performance means higher rates – The type of car or truck you need insurance for makes a huge difference in the rate you pay. The cheapest insurance rates are generally reserved for smaller low performance passenger cars, but your final cost has many other factors. Since the Lexus NX 200t is classified as a luxury crossover, rates will be substantially more when compared to the average rates in Houston.
Policy add-ons add up – There are a lot of additional extra coverages that can waste your money but may not be useful. Coverage for things like roadside assistance, towing, and Farm Bureau memberships may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
Compare rates if you bundle your policies – Some companies give discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. The discount can be as much as ten percent or more Even with this discount applied, it’s still a good idea to shop around to confirm you are receiving the best rates possible. It’s possible to still save even more than the discount even if you have your coverage with different companies
Alarms and GPS tracking lower prices – Selecting a car model with anti-theft technology or alarm system can save you some money. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your vehicle from being stolen.
Get cheaper Lexus NX 200t insurance in Houston with discounts
Some insurers don’t always advertise their entire list of discounts very well, so the following list contains some of the best known and also the lesser-known credits available to bring down your rates.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts could cut 10% or more off PIP or medical payments premium.
- Life Insurance – Select car insurance companies reward you with a discount if you purchase some life insurance too.
- ABS Brakes – Cars and trucks with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you could save 5% or more.
- Club Memberships – Joining qualifying clubs or civic groups could trigger savings on your next car insurance statement.
- Driver’s Ed – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of your policy.
Some of the larger companies that possibly offer these benefits possibly include:
If you want affordable Lexus NX 200t insurance quotes, ask all the companies which credits you are entitled to. Some discounts might not be offered in Houston. For a list of companies with the best Lexus NX 200t insurance discounts in Texas, follow this link.
Compare prices but work with a local neighborhood Houston car insurance agent
Certain consumers would prefer to visit with an insurance agent. Good agents are trained risk managers and will help you if you have claims. A nice benefit of price shopping on the web is that drivers can save money and get cheaper premium rates and still choose a local agent.
To find an agent, once you fill out this simple form, your insurance data is emailed to participating agents in Houston that provide free Houston car insurance quotes to get your business. You don’t have to find an agent on your own since rate quotes are delivered to you instantly. If you want to get a price quote from a specific auto insurance provider, just jump over to their website to submit a rate quote request.
Selecting an provider should depend on more than just a low price. Any agent in Houston should be willing to answer these questions.
- Will they make sure you get an adequate claim settlement?
- Do they have 24-hour customer assistance?
- Do they regularly work with personal auto policies in Houston?
- Does their agency support local causes in Houston?
- Are they full-time agents?
- How much can you save by raising your physical damage deductibles?
- Will they give you a referral list?
Two types of Houston auto insurance agents
When looking for an insurance agent, you should know the types of insurance agents and how they can quote your rates. Insurance agencies in Houston can be categorized as either independent agents or exclusive agents depending on their employer. Both types of agents can provide auto insurance policies, but it’s worth learning the difference between them since it can impact your selection of an agent.
Exclusive Auto Insurance Agents
Exclusive agencies are contracted to one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are trained well on their products and sales techniques which can be an advantage.
Listed below are exclusive insurance agencies in Houston willing to provide comparison quotes.
Lucrecia Jasminoy – State Farm Insurance Agent
223 Cavalcade St – Houston, TX 77009 – (713) 884-1442 – View Map
Independent Agencies or Brokers
Agents that elect to be independent do not have single company limitations and that gives them the ability to insure with many different companies and possibly get better coverage at lower prices. If you want to switch companies, the business is moved internally and you don’t have to find a new agent.
When comparing auto insurance prices, you should always get rate quotes from several independent agencies to have the most options to choose from.
Listed below is a short list of independent insurance agents in Houston that are able to give rate quotes.
After getting good responses to any questions you have and an affordable coverage quote, you may have just found an insurance agency that meets the requirements to insure your vehicles. Keep in mind you can cancel a policy whenever you choose to so never feel you are locked into your new company for the entire policy term.
Misconceptions in insurance advertisements
Consumers can’t escape the ads that claim the best premium rates by companies like Allstate, GEICO and Progressive. They all seem to convey the message that drivers will save a bundle just by moving your policy.
But how can every company cost less than your current company? Here is the trick they use.
Most companies require specific criteria for the right customer that earns them the most money. An example of a driver they prefer might be described as over age 30, has a clean driving record, and has great credit. Any customer who meets those qualifications may get the lowest car insurance rates in Houston and as a result will probably save when they switch companies.
Potential insureds who don’t meet this ideal profile may be forced to pay a higher premium and this results in business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can make it sound like they have such great rates. Because of this risk profiling, you should compare free Houston car insurance quotes often. It is impossible to predict which insurance company will have better prices than you’re paying now.
Quote more to save more
When trying to cut insurance costs, do not buy poor coverage just to save money. Too many times, drivers have reduced physical damage coverage to discover at claim time that the small savings ended up costing them much more. The goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.
Low-cost Lexus NX 200t insurance in Houston is possible both online and with local Houston insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and many times these regional insurance providers work with independent agencies.
- Rollover Crash FAQ (iihs.org)
- Who Has Affordable Auto Insurance Quotes for Low Income Drivers in Houston? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Houston? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)