How long has it been since you shopped around for cheaper Toyota Avalon insurance in Houston? Being forced to pay for pricey auto insurance premiums can dwindle your monthly budget and put the squeeze on your family’s finances. Price shopping at each renewal is a fast and free way to lower your bills every month.
A recent study showed that the vast majority of auto insurance customers renewed their policy with the same company for four years or more, and practically 40% of auto insurance customers have never compared rate quotes at all. Many drivers in Houston could cut their rates by roughly 70% a year by just comparing rate quotes, but they don’t know the amount of savings they would get if they switched to a cheaper policy. You have multiple insurers to buy insurance from, and although it’s nice to have a choice, it can be more challenging to locate the cheapest rates for Toyota Avalon insurance in Houston.
You should take the time to compare premium rates every six months due to the fact that insurance rates go up and down regularly. Just because you had the best rate on Toyota Avalon insurance in Houston a year ago a different company probably has better prices today. Forget all the misinformation about auto insurance because you’re about to learn the best way to save on auto insurance.
Affordable companies for Toyota Avalon insurance
The companies shown below are ready to provide price quotes in Houston, TX. If multiple companies are shown, we recommend you get rate quotes from several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $198 | $352 | $422 | $24 | $126 | $1,122 | $94 |
| Avalon XLS | $362 | $802 | $392 | $24 | $118 | $1,698 | $142 |
| Avalon Limited | $470 | $698 | $424 | $26 | $128 | $1,746 | $146 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific location which can lower or raise prices substantially.
How careless driving impacts auto insurance rates
The illustration below illustrates how violations and at-fault fender-benders can influence Toyota Avalon insurance rates for different ages of insureds. The prices are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Comparison of policy deductibles
The hardest decision when buying coverage is at what level do you set your deductibles. The following insurance rates can help you understand the rate fluctuation of buying low and high physical damage coverage deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $370 | $592 | $324 | $20 | $96 | $1,427 | $119 |
| Avalon XLS | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| Avalon Limited | $412 | $698 | $324 | $20 | $96 | $1,575 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $206 | $312 | $324 | $20 | $96 | $958 | $80 |
| Avalon XLS | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Avalon Limited | $228 | $368 | $324 | $20 | $96 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific Houston garaging location which can revise premiums noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $42 more each month or $504 a year than requesting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 21 months between claims, you would most likely save money by selecting a higher deductible.
Don’t overlook these seven Toyota Avalon insurance discounts
Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but less common discounts must be inquired about before being credited.
- Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
- More Vehicles More Savings – Insuring multiple cars with the same company qualifies for this discount.
- Early Renewal Discounts – A few insurance companies offer discounts for switching companies prior to the expiration date on your current Avalon insurance policy. It could save around 10% when you buy Houston auto insurance online.
- Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a Houston auto insurance quote.
- Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts could save 15% off the medical payments premium.
- Active Military Service – Being deployed with a military unit could mean lower rates.
- Cautious Driver Discounts – Safe drivers may receive a discount up to 45% than less cautious drivers.
A quick disclaimer, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.
A partial list of companies that have these benefits possibly include:
When getting free Houston auto insurance quotes, it’s a good idea to each company how many discounts you can get. All car insurance discounts may not be available in your state. To see a list of providers with significant discounts in Houston, click here to view.
Buying from insurance agents
Some consumers would rather get professional advice from a licensed agent and often times that is recommended Experienced insurance agents can point out coverage gaps and help file insurance claims. A nice benefit of comparing insurance online is that you can obtain cheap insurance quotes but still work with a licensed agent.
After completing this simple form, your insurance coverage information is submitted to local insurance agents that can give you free Houston auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go directly to you. In the event you want to get a comparison quote from a specific company, you would need to jump over to their website and give them your coverage information.
Choosing the best provider should depend on more than just the bottom line cost. These are some valid questions you should ask.
- Which insurance companies are they affiliated with?
- What is their Better Business Bureau rating?
- Can glass claims be handled at your home?
- Will the company cover a rental car if your car is getting fixed?
- Does their agency support local causes in Houston?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have a valid license to sell insurance in Texas?
The following are Houston insurers willing to provide comparison quotes for Toyota Avalon insurance in Houston.
Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 – View Map
State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500 – View Map
Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 – View Map
Pasadena Insurance Agency, Inc.
99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map
Drivers who switch save $410 a year? Really?
Consumers can’t get away from all the ads that claim the lowest premium rates by companies like State Farm, Allstate and GEICO. They all have a common claim about saving some big amount just by switching to their company.
How does every auto insurance company lower your premium rates? It’s all in the words they use.
All companies are able to cherry pick for a prospective insured that earns them the most money. For instance, a desirable risk may need to be over the age of 45, has a clear driving record, and has a short commute. Anyone who matches those parameters will get the preferred premium rates in Houston and will save some money.
Potential insureds who do not meet these stringent criteria may receive more expensive rates which results in the customer buying from someone else. The ad wording is “customers who switch” not “everyone who quotes” save that much money. That is how insurance companies can confidently make claims like that. Each company has different criteria, so you really need to compare quotes as often as possible. It’s impossible to know the company that will provide the lowest Toyota Avalon insurance in Houston.
Auto insurance specifics
Having a good grasp of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by auto insurance companies.
Liability auto insurance
This coverage will cover damage that occurs to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 30/60/25 which means a $30,000 limit per person for injuries, $60,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability insurance covers claims such as structural damage, medical services and medical expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Toyota Avalon.
Since a lot of drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Auto collision coverage
Collision insurance covers damage to your Avalon resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like hitting a parking meter, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible on your Avalon to bring the cost down.
Comprehensive coverage
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, falling objects, theft and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Medical payments coverage and PIP
Med pay and PIP coverage pay for immediate expenses for hospital visits, doctor visits and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Smart consumers save more
In this article, we covered many ideas to lower your Toyota Avalon insurance car insurance rates in Houston. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the best car insurance rates are with an unexpected company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.
As you prepare to switch companies, do not skimp on coverage in order to save money. There are many occasions where an insured cut full coverage only to regret at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at a price you can afford.
Lower-priced auto insurance in Houston can be found on the web and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not offer rate quotes online and most of the time these smaller companies only sell through independent agents.
For more information, link through to the resources below:
- Senior Drivers (Insurance Information Institute)
- What Car Insurance is Cheapest for Felons in Houston? (FAQ)
- What Car Insurance is Cheapest for 17 Year Olds in Houston? (FAQ)
- How Much are Auto Insurance Rates for Drivers with Bad Credit in Houston? (FAQ)
- How Much are Auto Insurance Quotes for High Risk Drivers in Houston? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Civic in Houston? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a School Permit in Houston? (FAQ)
- Who Has Affordable Car Insurance Rates for a Chevrolet Silverado in Houston? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)