Finding cheaper Houston car insurance quotes online can seem complicated if you’ve never compared quote comparisons online. But keep reading because finding lower prices for Mitsubishi Mirage G4 insurance in Houston is easier than you think.
A recent car insurance study discovered that a large majority of drivers renewed their policy with the same company for over three years, and nearly the majority have never compared car insurance rates at all. Texas drivers could save approximately $1,766 a year by just comparing quotes, but they don’t know the rate savings if they changed companies.
You should take the time to get comparison quotes quite often because car insurance prices tend to go up over time. Just because you had the lowest rates on Mitsubishi Mirage G4 insurance in Houston two years ago you can probably find a better rate quote now. Ignore everything you know about car insurance because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.
When comparison shopping, there are several ways to obtain and compare prices from local Houston auto insurance companies. The quickest method to compare Mitsubishi Mirage G4 insurance prices is to perform an online rate comparison. Just remember that quoting more provides better odds of finding more affordable rates. Some insurance companies are not set up to provide Houston Mirage G4 insurance quotes online, so you need to compare price estimates from those companies as well.
The companies shown below offer price quotes in Texas. If several companies are displayed, it’s a good idea that you compare several of them to find the cheapest car insurance rates.
Why auto insurance is not optional
Even though it can be expensive, buying auto insurance is not optional due to several reasons.
First, almost all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability if you don’t want to risk a ticket. 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 vehicle has a lien holder, it’s most likely the lender will force you to carry insurance to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Mitsubishi at an extremely high rate and require you to pay the higher price.
Third, insurance safeguards your Mitsubishi Mirage G4 and your assets. Insurance will also pay for most medical and hospital costs for you, your passengers, and anyone else injured 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 your Mitsubishi gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of insuring your Mirage G4 outweigh the cost, specifically if you ever have a liability claim. Today the average American driver is overpaying over $855 a year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.
Brand name doesn’t guarantee savings
Companies like Progressive, Allstate and GEICO endlessly run television, radio, and online ads. They all convey the message that you can save if you switch your coverage. How does every insurance company charge you a lower premium? This is how they do it.
Insurance companies offer their best rates for the type of driver that will be a good risk. An example of a desirable risk could possibly be between the ages of 30 and 50, has never had a policy lapse, and does not commute to work. A driver who matches those parameters will probably get the lowest car insurance rates and as a result will probably save when they switch companies.
Insureds who fall short of these criteria will probably have to pay a more expensive rate which translates to business not being written. The ads state “customers who switch” not “all people who quote” save that kind of money. That’s why companies can truthfully make those claims. This really illustrates why it is so important to compare free Houston car insurance quotes often. It’s just too difficult to predict the company that will provide you with the cheapest Mitsubishi Mirage G4 insurance in Houston.
Insurance rates and discounts
Companies that sell car insurance do not list every available discount in a way that’s easy to find, so the below list has some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy Houston car insurance online. If you do not double check each discount possible, you’re paying more than you need to.
- Discount for New Cars – Insuring a new Mirage G4 may earn a small discount because new model year vehicles keep occupants safer.
- Paperless Signup – Many insurance companies give back up to $50 get Houston car insurance on the web.
- Distant Student Discount – Youth drivers who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
- Passenger Safety Discount – Cars that have air bags or motorized seat belts could see savings of 20% or more.
- Claim Free – Houston drivers who stay claim-free have much lower rates as compared to drivers who are more careless.
- Multiple Policy Discount – If you insure your home and vehicles with one insurance company they may give you a discount of as much as 10 to 15 percent.
You should keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, company stockholders wouldn’t be very happy.
To locate insurance companies that have a full spectrum of discounts in Texas, click this link.
Shop online but buy locally
Many drivers still prefer to visit with an insurance agent. An additional benefit of comparing rates online is that drivers can save money and get the best rates but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, the quote information gets sent to companies in Houston who will give you bids to get your business. It’s much easier because you don’t need to find an agent on your own since price quotes are sent to you. You can find better rates AND a local agent. If for some reason you want to get a comparison quote for a specific company, don’t hesitate to go to their quote page and fill out their quote form.
Finding a good company should include more criteria than just a low price. Any agent in Houston should be willing to answer these questions.
- Do they reduce claim amounts on high mileage vehicles?
- Will they give you a referral list?
- Does the agent have a valid license to sell insurance in Texas?
- How long have they worked with personal auto insurance coverage?
- Can they help ensure a fair claim settlement?
- Are they primarily personal or commercial lines agents in Houston?
- Do the agents have professional certifications like CPCU or CIC?
- How often do they review policy coverages?
Shown below is a short list of insurance companies in Houston willing to provide rate quotes for Mitsubishi Mirage G4 insurance in Houston.
- R.Y.A. Insurance Agency, Inc.
12155 Jones Rd #300 – Houston, TX 77070 – (281) 469-6286 – View Map
- James Banks – State Farm Insurance Agent
4809 Main St – Houston, TX 77002 – (713) 523-7100 – View Map
- Deborah A. Olson Insurance Agency, Inc.
10592 Fuqua St – Houston, TX 77089 – (281) 481-1903 – View Map
- Pasadena Insurance Agency, Inc.
99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map
Get the best coverage at the best price
We just covered a lot of tips how to shop for Mitsubishi Mirage G4 insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable Mitsubishi Mirage G4 insurance quotes. You may even find the best price on insurance is with some of the smallest insurance companies.
Cheaper Mitsubishi Mirage G4 insurance in Houston can be sourced both online in addition to many Houston insurance agents, so you need to shop Houston car insurance with both in order to have the best chance of saving money. A few companies may not have the ability to get quotes online and usually these small, regional companies only sell through independent agents.
Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, high prices, unfair underwriting practices and even questionable increases in premium. No matter why you want to switch, switching insurance companies can be less work than you think.
More tips and info about insurance can be found in these articles:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What Insurance is Cheapest for 19 Year Olds in Houston? (FAQ)
- Who Has Cheap Auto Insurance for Handicapped Drivers in Houston? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)
- Distracted Driving Statistics (Insurance Information Institute)