Searching for lower-priced insurance rates in Houston, TX? Houston shoppers have a choice when shopping for affordable Chevy Cobalt insurance. They can either waste time struggling with agents trying to get quotes or use the internet to compare rates. There are both good and bad ways to compare insurance rates and we’ll show you the best way to quote coverages on a Chevy and find the best price possible either online or from Houston insurance agents.
Finding the cheapest auto insurance coverage in Houston is actually very simple if you learn how to start. If you are insured now, you should be able to cut your premiums using the ideas presented in this article. Drivers just have to learn the quickest way to get comparison rates from multiple carriers.
Compare Houston Chevy Cobalt insurance rate quotes online
Getting a cheaper price on insurance can be surprisingly simple. All you need to do is spend a few minutes to compare rates from different insurance companies.
The following companies provide quotes in Texas. If multiple providers are shown, it’s a good idea that you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $162 | $400 | $414 | $24 | $124 | $1,124 | $94 |
| Cobalt XFE 4-Dr Sedan | $280 | $802 | $520 | $30 | $156 | $1,788 | $149 |
| Cobalt LS 2-Dr Coupe | $208 | $368 | $624 | $36 | $186 | $1,422 | $119 |
| Cobalt XFE 2-Dr Coupe | $282 | $684 | $500 | $30 | $150 | $1,646 | $137 |
| Cobalt LT 4-Dr Sedan | $226 | $486 | $404 | $24 | $122 | $1,262 | $105 |
| Cobalt LT 2-Dr Coupe | $286 | $572 | $500 | $30 | $150 | $1,538 | $128 |
| Cobalt SS Turbo 2-Dr Coupe | $470 | $908 | $624 | $36 | $186 | $2,224 | $185 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in specific location which can influence auto insurance rates considerably.
Higher deductibles lower rates
One frequently asked question is how high should the physical damage coverage deductibles be. The data tables below may aid in understanding the difference in cost when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $286 | $698 | $430 | $26 | $128 | $1,593 | $133 |
| Cobalt XFE 4-Dr Sedan | $286 | $698 | $430 | $26 | $128 | $1,593 | $133 |
| Cobalt LS 2-Dr Coupe | $328 | $698 | $476 | $28 | $142 | $1,697 | $141 |
| Cobalt XFE 2-Dr Coupe | $328 | $698 | $476 | $28 | $142 | $1,697 | $141 |
| Cobalt LT 4-Dr Sedan | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Cobalt LT 2-Dr Coupe | $370 | $698 | $476 | $28 | $142 | $1,739 | $145 |
| Cobalt SS Turbo 2-Dr Coupe | $412 | $908 | $476 | $28 | $142 | $1,991 | $166 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $208 | $472 | $430 | $26 | $128 | $1,264 | $105 |
| Cobalt XFE 4-Dr Sedan | $208 | $472 | $430 | $26 | $128 | $1,264 | $105 |
| Cobalt LS 2-Dr Coupe | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Cobalt XFE 2-Dr Coupe | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Cobalt LT 4-Dr Sedan | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Cobalt LT 2-Dr Coupe | $270 | $472 | $476 | $28 | $142 | $1,388 | $116 |
| Cobalt SS Turbo 2-Dr Coupe | $300 | $614 | $476 | $28 | $142 | $1,560 | $130 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in your specific Houston location which can decrease or increase price quotes considerably.
Based on this data, using a $100 deductible will cost you approximately $29 more each month or $348 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 14 months between claim filings, you would probably be better off by going with a higher deductible. The table below shows the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $142 |
| Average monthly premium for $500 deductibles (subtract): | – $113 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One thing to note is that raising deductibles to save money results in more money out-of-pocket when you have a physical damage claim. That will necessitate enough disposable savings in the event you have to pay more for the deductible.
Three reasons to insure your vehicle
Despite the fact that insurance is not cheap in Houston, insurance serves an important purpose.
First, just about all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability protection if you drive a vehicle. 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.
Second, if your car has a lien holder, more than likely the lender will make it mandatory that you have full coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the lender may insure your Chevy at a much higher rate and force you to pay for it.
Third, insurance safeguards both your Chevy and your assets. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying insurance definitely exceed the cost, specifically if you ever have a liability claim. An average driver in America is overpaying over $800 each year so compare quotes from several companies at every renewal to save money.
Cheaper Houston auto insurance rates with discounts
Companies offering auto insurance do not advertise all discounts very clearly, so the next list breaks down a few of the more common as well as the least known credits that may apply to you.
- Telematics Data – Policyholders that allow their auto insurance company to monitor driving patterns by using a telematics device such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
- Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease but check with your company.
- Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts of more than 20%.
- Defensive Driving Course – Completing a defensive driving course can save you 5% or more and also improve your driving technique.
- Save over 55 – If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
One last thing about discounts, most credits do not apply to the whole policy. Most only cut individual premiums such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will lower the cost of coverage.
Some companies that may have these benefits include:
Check with all the companies to apply every possible discount. Some discounts listed above may not apply everywhere. To see companies with the best discounts in Texas, click here to view.
Compare rate quotes but work with a local Houston insurance agency
A lot of people still prefer to visit with an insurance agent and we recommend doing that Insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of comparing rates online is you may find cheap rate quotes but also keep your business local.
Once you complete this quick form, your coverage information is immediately sent to insurance agents in Houston that give free quotes for your business. It’s much easier because you don’t need to contact an agency due to the fact that quote results will go instantly to you. If you need to get a comparison quote from a specific insurance company, feel free to jump over to their website and fill out their quote form.
Picking the best insurer needs to be determined by more than just the price. Below are some questions you should ask.
- Are there any discounts that you might be missing?
- Do they prorate repair cost based on vehicle mileage?
- Do they have cheaper tiers of coverage?
- Are they paid to recommend certain coverages?
- What insurance companies do they work with in Houston?
- Where would glass claims be handled in Houston?
- Does the agent have a valid license to sell insurance in Texas?
Is an exclusive or independent car insurance agent right for you?
If you would like to find a reputable insurance agent or broker, there are a couple of different agency structures that you can choose from. Agents in Houston are either independent or exclusive depending on the company they work for. Both can sell auto insurance policies, but we need to point out the difference in how they write coverage since it can affect the selection process.
Exclusive Agencies
These type of agents generally can only insure with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. They are well schooled in insurance sales and that can be a competitive advantage. Consumers often buy insurance from these agents mostly because of the brand and the convenience of having all coverages with one company.
Listed below are Houston exclusive insurance agencies that are able to give price quote information.
- Diego Martinez – State Farm Insurance Agent
2575 S Dairy Ashford Rd m – Houston, TX 77077 – (281) 496-5330 – View Map - Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155 – View Map - Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100 – View Map
Independent Insurance Agents
Independent agents are not employed by any specific company and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. To transfer your coverage to a different company, they simply switch companies in-house and you can keep the same agent. When shopping rates, you should always include price quotes from at a minimum one independent agency to ensure the widest selection of prices. Many can place coverage with small regional insurance companies who may have lower rates.
Shown below are Houston independent insurance agencies that are able to give price quotes.
- Duckworth Insurance Agency
3824 Broadway St – Houston, TX 77017 – (713) 645-1500 – View Map - Champions Insurance Agency
15327 Gulf Fwy b – Houston, TX 77034 – (281) 484-4870 – View Map - Cornerstone Insurance Agency
24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 – View Map
Different people need different insurance coverages
Always remember that when buying your policy, there really isn’t a one size fits all plan. Everyone’s needs are different and your policy should reflect that.
Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.
- Do they offer discounts for home and auto coverage?
- Is upholstery damage covered by car insurance?
- Who does medical payments coverage extend to?
- Is rental equipment covered for theft or damage?
- What is the rate difference between pleasure use and commuting?
- Do I get a pro-rated refund if I cancel my policy early?
- What is roadside assistance coverage?
- Will I lose any money if I cancel my policy before it expires?
- Am I covered if I wreck a rental car?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Auto insurance coverage breakdown
Understanding the coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.
Liability coverages – This protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 30/60/25 that translate to a limit of $30,000 per injured person, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things such as medical services, pain and suffering, repair costs for stationary objects, court costs and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as rock chips in glass, hitting a bird, a broken windshield and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like crashing into a ditch, colliding with a tree, scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible on your Cobalt to save money on collision insurance.
Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, pain medications and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Cobalt.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Quote more to save more
When trying to cut insurance costs, do not reduce needed coverages to save money. There are many occasions where someone dropped collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.
We’ve covered quite a bit of information on how to get a better price on Chevy Cobalt insurance in Houston. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Chevrolet Cobalt insurance quotes. Drivers may even discover the best price on insurance is with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.
Discount Chevy Cobalt insurance in Houston can be purchased both online and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide online rate quotes and many times these regional insurance providers sell through independent agencies.
Additional detailed information can be read in these articles:
- Tread Depth and Tire Safety (State Farm)
- Who Has Cheap Houston Auto Insurance for a Nissan Rogue? (FAQ)
- What Car Insurance is Cheapest for Low Credit Scores in Houston? (FAQ)
- How Much is Car Insurance for Retired Military in Houston? (FAQ)
- Who Has the Cheapest Car Insurance for College Students in Houston? (FAQ)
- Who Has Affordable Car Insurance for 18 Year Olds in Houston? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- What is Full Coverage? (Allstate)
- What is Covered by GAP Insurance? (Allstate)