Cheap Rates for Chevy Cavalier Insurance in Houston

No car owner likes paying for car insurance, in particular when they are paying too much.

Insurance rates Chevy Cavalier in HoustonA recent car insurance study discovered that almost 70% of insureds have remained with the same car insurance company for four years or more, and nearly 40% of drivers have never shopped around. With the average car insurance premium being $2,679, Texas drivers could save $1,770 a year by just comparing rate quotes, but they just don’t want to find cheap rates by getting comparison quotes.

Companies like State Farm, GEICO and Farmers Insurance promote their brand names with catchy ads and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

It’s a good habit to get comparison quotes once or twice a year due to the fact that insurance prices are constantly changing. Just because you had the best quotes on Chevy Cavalier insurance in Houston last year the chances are good that you can find a lower rate today. There are a lot of ways to save on Cavalier insurance online but in this article, you’re going to get some tested techniques to buy car insurance cheaper in Houston.

Affordable Houston car insurance rates with discounts

Some insurers do not advertise every policy discount in an easy-to-find place, so the next list breaks down a few of the more common and the more hidden credits available to lower your premiums when you buy Houston car insurance online.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts should help lower your overall premium however.

If you would like to see a list of companies that offer discounts in Houston, click this link.

When comparing car insurance rates, know that having more price comparisons helps improve the odds of finding the best price. Some smaller insurers do not give online Houston Cavalier insurance quotes, so it’s important to compare price quotes from them, too.

The companies shown below are ready to provide comparison quotes in Texas. If more than one company is shown, we suggest you compare several of them to get a more complete price comparison.

Chevy Cavalier Insurance Rate Factors

An important part of buying insurance is that you know the rating factors that play a part in calculating your insurance rates. When you understand what determines premiums, this allows you to make educated decisions that may reward you with lower rates.

The following are most of the major factors utilized by car insurance companies to help set your premiums.

Getting quotes from local Houston insurance agents

Some consumers would prefer to sit down and talk to an agent and doing that can be a smart decision One of the great benefits of getting free rate quotes online is the fact that you can find cheap insurance rates and also buy local. Buying insurance from local agencies is important especially in Houston.

Insurance agency in HoustonTo help locate an agent, after submitting this short form, your information is immediately sent to participating agents in Houston who will return price quotes for your insurance coverage. It makes it easy because there is no need to leave your house as quotes are delivered instantly to you. Get lower rates and a licensed agent to work with. If you wish to compare prices from one company in particular, just jump over to their website and fill out their quote form.

Pick the best car insurance agent in Houston for you

When researching a reputable insurance agent or broker, it’s helpful to know the types of insurance agents and how they can service your needs differently. Agents are either exclusive or independent (non-exclusive).

Independent Insurance Agencies or Brokers

Agents that elect to be independent are not restricted to one company so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. If your premiums go up, they simply switch companies in-house and the insured can keep the same agent.

When searching for an agent, you should always get insurance quotes from at a minimum one independent agency in order to compare the most rates.

Shown below is a short list of independent insurance agencies in Houston that can possibly get you free insurance quotes.

8624 Long Point RdHouston, TX 77055(713) 827-1277View Map

99 Detering St #280Houston, TX 77007(713) 869-6991View Map

15327 Gulf Fwy bHouston, TX 77034(281) 484-4870View Map

More insurance agents

Exclusive Agents

Agents that elect to be exclusive can only provide pricing for a single company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to shop your coverage around so keep that in mind. Exclusive insurance agents receive a lot of sales training on what they offer and that allows them to sell at a higher price point.

The following is a short list of exclusive insurance agencies in Houston that can give you rate quotes.

1110 E NASA Pkwy Ste 300Houston, TX 77058(281) 204-8282View Map

6489 Wilcrest DrHouston, TX 77072(281) 498-1010View Map

12941 North Fwy #608Houston, TX 77060(281) 537-7890View Map

More insurance agents

Deciding on a insurance agency should include more criteria than just the price. Agents should be asked these questions:

If you feel you receive positive responses to any questions you may have as well as offering an affordable quote, you may have found an insurance agency that meets the criteria to adequately provide insurance.

Why do I need car insurance?

Despite the high cost of buying insurance for a Chevy Cavalier in Houston, maintaining insurance is mandatory in Texas but it also protects more than you think.

First, most states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability 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 Chevy Cavalier has a loan, most banks will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Chevy at a much higher premium rate and make you pay a much higher amount than you were paying before.

Third, insurance safeguards both your vehicle and your assets. It will also pay for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. The average driver in Texas overpays more than $865 each year so compare quotes from several companies every year to make sure the price is not too high.

More quotes mean more auto insurance savings

We just presented some good ideas how you can find cheaper Chevy Cavalier insurance in Houston. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest Chevrolet Cavalier rate quotes. You may even discover the lowest rates come from a small mutual company. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

When searching for cheaper Houston car insurance quotes, make sure you don’t skimp on coverage in order to save money. In many cases, an insured dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

Additional detailed information can be found at these sites: