Do you want an efficient way to compare low-cost insurance rates in Galveston, TX? Searching for better insurance prices for a car in Texas could be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to shop for insurance so we’re going to tell you the best way to get price quotes for a and obtain the cheapest rates from both online companies and Galveston agents.
Unimaginable but true, over 70% of consumers have remained with the same insurance company for four years or more, and approximately 38% of consumers have never shopped around. Most drivers in Texas could cut their rates by almost $1,770 a year just by shopping around, but they just don’t understand how easy it is to find cheap rates by getting comparison quotes.
If you have a current auto insurance policy or want to find a cheaper company, follow these tips to buy cheaper auto insurance and still have adequate protection. Shopping around for the lowest-priced coverage in Galveston is not as time-consuming as you think. Consumers just need to use the best way to compare price quotes online from multiple companies.
You have control over your auto insurance premiums
A large part of saving on auto insurance is knowing the factors that go into determining your auto insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that may reward you with big savings.
Liability limits should be high – Your policy’s liability coverage will afford coverage if ever you are found to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
GPS tracking and theft deterrents lowers auto insurance rates – Buying a car with a theft deterrent system can save you a little every year. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
Cheaper to insure women? – Over time, data shows that women are safer drivers than men. The data does not necessarily mean that females are better at driving than males. Men and women have at-fault accidents in similar numbers, but the males get into accidents with more damage. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are most likely to cause an accident and therefore pay the highest rates.
Physical damage deductibles – Physical damage coverage, also called ‘full coverage’, insures against damage to your car. Some coverage claims would be a windshield shattered by a rock, collision with an animal, and burglary. The deductibles you choose define how much the insured will be required to pay if the claim is covered. The higher the amount you’re willing to pay, the bigger discount you will receive.
Filing insurance claims can cost you – If you’re an insured who likes to file claims you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies in Texas give lower rates to drivers who do not file claims often. Auto insurance is designed for the large, substantial claims.
Do safer cars cost less to insure? – Safer cars tend to be cheaper to insure. Safer cars have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums.
Insurance prices are higher for high performance vehicles – The type of car or truck you are trying to find cheaper insurance for makes a significant difference in your car insurance bill. Smaller low performance passenger cars generally receive the lowest base rates, but that’s not the only thing that factors into the final price.
Excellent credit scores equal low rates – Having a bad credit score is a large factor in determining what you pay for auto insurance. People with excellent credit tend to be less risk to insure as compared to drivers with worse credit. So if your credit score can be improved, you may save money insuring your vehicle by spending a little time repairing your credit.
The auto insurance companies shown below offer quotes in Galveston, TX. If the list has multiple companies, we recommend you visit several of them to get the cheapest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 4WD||$864||$432||$72|
|Chevrolet Impala LTZ||$1,068||$534||$89|
|Chevrolet Silverado LS Regular Cab 4WD||$1,176||$588||$98|
|Dodge Ram Quad Cab ST 4WD||$1,238||$619||$103|
|Ford Edge SEL AWD||$1,468||$734||$122|
|Ford Escape XLS 2WD||$1,278||$639||$107|
|Ford F-150 XLT Crew Cab 2WD||$840||$420||$70|
|Ford Focus SEL 4-Dr Sedan||$1,702||$851||$142|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,790||$895||$149|
|Honda Accord LX 4-Dr Sedan||$1,380||$690||$115|
|Honda CR-V EX 4WD||$1,002||$501||$84|
|Honda Civic EX 4-Dr Sedan||$1,702||$851||$142|
|Kia Optima LX||$1,326||$663||$111|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,254||$627||$105|
|Toyota Camry Hybrid||$1,740||$870||$145|
|Toyota Corolla XRS||$1,108||$554||$92|
|Volkswagen Jetta LE 4-Dr Sedan||$1,258||$629||$105|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in specific garaging location which can revise price quotes greatly.
Comparison of auto insurance rates by gender and age
The example below shows the difference between yearly insurance costs for male and female drivers in Galveston. The premiums are based on no claims or violations, comp and collision included, $100 deductibles, drivers are not married, and no discounts are applied to the premium on a Honda Pilot LX.
Honda Pilot rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Violations and accidents raise rates
The information below highlights how speeding tickets and accident claims drive up Kia Optima insurance prices for different age categories. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
Full coverage versus liability only rates
The illustration below examines Chevrolet Malibu yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no accidents or driving violations, $500 deductibles, single female driver, and no policy discounts are applied.
Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.
Are you wasting money on full coverage?
There is no definitive formula of when to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Chevrolet Malibu settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the deductible is paid. If you are currently paying more than $300 a year to have full coverage, then it may be the right time to buy liability only.
There are some situations where removing full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Do insurance companies bend the truth?
Consumers in Texas can’t escape the ads for insurance savings by Allstate and Progressive. All the companies state the claim that drivers will save a bundle after switching your coverage to them.
How does every insurance company charge you a lower premium?
Companies can use profiling for the driver that earns them the most money. For instance, a profitable customer could possibly be over the age of 50, has other policies, and has excellent credit. Someone who meets those qualifications receives the best car insurance rates in Galveston and will probably save if they switch.
Drivers who do not fit those standards may be required to pay a higher premium and the customer buying from someone else. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save money. This is how insurance companies can make claims that they all have the best premium rates. This really drives home the point why it’s extremely important to compare price quotes frequently. It is impossible to predict which insurance companies will provide you with the cheapest insurance in Galveston.
Best reasons to buy car insurance in Texas
Despite the potentially high cost of car insurance, insurance may not be optional for several reasons.
- The majority of states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to license the 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.
- If your vehicle has a loan, more than likely the lender will stipulate that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender will be forced to insure your vehicle at a much higher rate and make you pay a much higher amount than you were paying before.
- Car insurance protects both your vehicle and your personal assets. Insurance will pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance are definitely more than the cost, especially when you need to use it. An average driver in America is wasting up to $865 each year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
Get discounts on Galveston car insurance
Car insurance companies don’t always advertise every available discount in an easy-to-find place, so we break down a few of the more well known as well as the least known credits that you can use to lower your rates.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
- Driver Training Discounts – Passing a course teaching safe driver skills is a good idea and can lower rates and also improve your driving technique.
- Accident Waiver – This one isn’t a discount, but some companies like GEICO and Liberty Mutual will let one accident slide before they charge you more for coverage so long as you are claim-free prior to the accident.
- Multi-policy Discount – If you have multiple policies with one insurance company you will save at least 10% off all policies.
- Full Payment Discount – By making one initial payment rather than paying monthly you could save up to 5%.
- Low Miles Discount – Low mileage vehicles may enable drivers to earn substantially lower rates.
- ABS and Traction Control Discounts – Vehicles with ABS and/or traction control prevent accidents and will save you 10% or more.
- Distant College Student Discount – Older children who live away from home at college and don’t have a car may be insured at a cheaper rate.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings up to 30%.
While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Even though it appears you could get a free car insurance policy, companies wouldn’t make money that way.
Companies that have some of the above discounts include:
If you need lower rates, check with every prospective company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in your area. If you would like to see a list of insurance companies with discount rates in Galveston, click this link.
Don’t I need to get advice from an insurance agent?
A lot of people still like to go talk to an agent and doing so can bring peace of mind Good agents can help you build your policy and will help you if you have claims. One of the benefits of price shopping on the web is that drivers can save money and get lower rates but still work with a licensed agent.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is instantly submitted to insurance agents in Galveston that can give you free Galveston car insurance quotes and help you find cheaper coverage. You won’t even need to drive around since rate quotes are delivered to your email. If for some reason you want to get a comparison quote for a specific company, you just need to search and find their rate quote page and fill out their quote form.
Picking a provider requires more thought than just a cheap price quote. You should also get answers to these questions.
- Does the agency have a good rating with the Better Business Bureau?
- Is the agency covered by Errors and Omissions coverage?
- Do they get paid more for recommending certain coverages?
- Do they have 24-hour customer assistance?
- How long has their agency been in business in Galveston?
- Is there a local claims center in Galveston?
- Are they primarily personal or commercial lines agents in Galveston?
- Are they able to provide referrals?
Two types of car insurance agents
When researching an insurance agent, there are two different types of agents and how they differ in how they can insure your vehicles. Auto insurance agents in Galveston can be categorized as either independent or exclusive depending on the company they work for. Either can properly insure your vehicles, but it’s worth learning the subtle differences since it can affect your agent selection.
Agents that choose to be exclusive can usually just insure with one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive insurance agents are highly trained on the products they sell and that allows them to sell at a higher price point. Some consumers prefer to purchase coverage from exclusives partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Below are Galveston exclusive insurance agencies that can give you rate quotes.
- Mary Lou Church – State Farm Insurance Agent
922 14th St N B – Texas City, TX 77590 – (409) 948-3456 – View Map
- Allstate Insurance: The O’Donohoe Agency LLC
5928 Stewart Rd – Galveston, TX 77551 – (409) 744-1888 – View Map
- Farmers Insurance: Donna Graham
2228 Mechanic St #302 – Galveston, TX 77550 – (281) 974-3432 – View Map
Agents that choose to be independent are normally appointed by many insurers so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If you want to switch companies, they simply move your policy to a different company and you won’t have to switch agencies.
When shopping rates, you will want to get rate quotes from at least one independent agent to ensure the widest selection of prices. Most can insure with companies that do not advertise much which could offer lower prices.
The following are independent agencies in Galveston willing to provide price quote information.
- Ai United Insurance
3620 Broadway Avenue J – Galveston, TX 77550 – (409) 762-6111 – View Map
- Town and Country Insurance
2328 Strand St – Galveston, TX 77550 – (409) 763-6376 – View Map
- American Proud Insurance
2001 45th St – Galveston, TX 77550 – (409) 763-4000 – View Map
In the end, you can save money
Budget-friendly auto insurance in Galveston can be bought online and with local Galveston insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don’t offer rates over the internet and many times these regional carriers sell through independent agents.
Consumers switch companies for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, policy non-renewal and denial of a claim. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.
As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.
- Older Driver Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for Felons in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for Teenagers in Houston? (FAQ)
- What Car Insurance is Cheapest for 17 Year Olds in Houston? (FAQ)
- Who Has Affordable Auto Insurance for College Graduates in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Houston? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- How to Avoid Staged Accidents (State Farm)
- Information for Teen Drivers (GEICO)