Are you sick and tired of robbing Peter to pay Paul to buy auto insurance? You are in the same boat as many other consumers in Texas.
It’s amazing but nearly 70% of consumers have been with the same company for at least four years, and almost half have never even compared rates from other companies. With the average auto insurance premium being $2,700, Houston drivers can save nearly $1,766 each year by just comparing quotes, but they just assume it’s a time-consuming process to shop their coverage around. Multiple insurers compete to insure your vehicles, so it’s not easy to compare every company to find the absolute best rate on Lincoln LS insurance in Houston.
Consumers need to get comparison quotes before your policy renews since insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rate on Lincoln LS insurance in Houston two years ago you can probably find a better price now. Block out anything you think you know about auto insurance because it’s time to teach you the things you must know in order to reduce your cost while increasing coverage.
Companies offering affordable Lincoln LS prices in Houston, TX
The companies shown below offer price comparisons in Houston, TX. If several companies are displayed, it’s highly recommended you visit as many as you can in order to find the cheapest rates.
Get cheaper Lincoln LS insurance in Houston with discounts
Auto insurance is not an enjoyable expense, but you might find some hidden discounts that may help make it more affordable. Some discounts apply automatically at quote time, but some may not be applied and must be requested specifically prior to receiving the credit.
- Mature Driver Discount – Mature drivers are able to get a small discount on rates.
- Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% with a few auto insurance companies.
- Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a Houston car insurance quote.
- Good Grades Discount – Performing well in school may save as much as 25% on a Houston car insurance quote. You can use this discount normally well after school through age 25.
- Student in College – College-age children living away from Houston attending college and leave their car at home can be insured at a reduced rate.
- Multi-policy Discount – If you have multiple policies and insure them with the same company you may save nearly 15% which can help you find inexpensive Lincoln LS insurance in Houston.
- No Claim Discounts – Drivers with accident-free driving histories can save substantially in comparison with insureds who have frequent claims or accidents.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
- Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
- Low Mileage Discounts – Maintaining low annual mileage could be rewarded with discounted prices on garaged vehicles.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.
If you would like to choose from a list of providers that can offer you the previously mentioned discounts in Texas, follow this link.
Get rate quotes but work with a local Houston insurance agent
Some people still prefer to get professional advice from a licensed agent and that is OK! Professional insurance agents are highly skilled in risk management and help you file claims. One of the benefits of comparing rate quotes online is the fact that drivers can get cheaper prices and still have an agent to talk to. And supporting neighborhood agents is definitely important in Houston.
To help locate an agent, after submitting this quick form, the quote information is immediately sent to agents in your area who will give competitive quotes for your insurance coverage. You won’t need to contact any insurance agencies since price quotes are sent immediately to your email address. If you have a need to get a rate quote for a specific company, you just need to search and find their rate quote page to submit a rate quote request.
When narrowing the list to find a reliable insurance agent, it helps to know the two types of insurance agents that you can choose from. Insurance agencies in Houston are categorized either independent agents or exclusive agents depending on their employer. Either type can sell affordable insurance policies, but it is a good idea to know the subtle differences since it can affect which type of agent you select.
Independent Agencies or Brokers
Agents that elect to be independent can quote rates with many companies so they have the ability to put coverage through many different insurance companies and potentially find a lower price. If premiums increase, your agent can switch companies which makes it simple for you. When comparison shopping, you should always check rates from multiple independent agents to get the most accurate price comparison.
Shown below is a partial list of independent agents in Houston that may be able to provide competitive price quotes.
Exclusive Insurance Agents
Agents that choose to be exclusive have only one company to place business with such as AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable in insurance sales which helps offset the inability to provide other markets.
Listed below are Houston exclusive agencies that can give you price quote information.
Deciding on an insurance agency should include more criteria than just a cheap price. Any good agent in Houston should know the answers to these questions.
- Do the companies they represent have a solid financial rating?
- How much experience to they have in personal lines coverages?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is the agency active in community causes in Houston?
- Can you choose the body shop in case repairs are needed?
- Will you get a loaner vehicle if you car is being repaired?
- Is there a local claims center in Houston?
Insurance in the media
Consumers in Texas can’t avoid all the ads that promise big savings from companies such as Allstate and Progressive. They all seem to advertise claims that drivers will save a bundle if you just switch to them.
How can each company have lower policy pricing?
All the different companies are able to cherry pick for the right customer that will most likely be profitable. An example of this type of insured may be over age 30, carries full coverage, and has great credit. Anyone that matches those criteria receive the lowest rate quotes in Houston and will most likely pay quite a bit less when switching companies.
Insureds who do not meet these standards will be quoted higher premium rates with the end result being the customer buying from a different company. The ads state “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how insurance companies can confidently state the savings.
This really illustrates why you need to get as many free Houston car insurance quotes as possible. It’s impossible to know the company that will be your best fit.
Auto insurance coverage considerations
Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.
Collision coverage protection
Collision coverage pays for damage to your LS caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as sustaining damage from a pot hole, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible on your LS to bring the cost down.
This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as hitting a bird, a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured or underinsured coverage
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Lincoln LS.
Because many people only purchase the least amount of liability that is required (30/60/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.
This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 30/60/25 that translate to a $30,000 limit per person for injuries, $60,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things such as structural damage, medical services, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance provide coverage for bills for chiropractic care, pain medications, surgery and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
How much can you save?
When you buy Houston car insurance online, never sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.
Cheaper insurance in Houston is available online and also from your neighborhood Houston agents, so you need to quote Houston car insurance with both to have the best selection. Some insurance providers do not offer online price quotes and many times these regional carriers sell through local independent agencies.
Additional detailed information can be found in these articles:
- Insuring a Leased Car (Insurance Information Institute)
- Who Has Affordable Houston Car Insurance Rates for Drivers with Accidents? (FAQ)
- How Much are Houston Car Insurance Quotes for Immigrants? (FAQ)
- Who Has Cheap Auto Insurance for Postal Workers in Houston? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a School Permit in Houston? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)