Nobody likes having to buy car insurance, especially when they could lower their rates if they shopped around.
A recent NerdWallet.com study revealed that the vast majority of car insurance customers kept buying from the same company for well over three years, and nearly 40% of drivers have never even shopped around for cheap coverage. Most drivers in Texas could save an average of about $1,770 each year, but they feel it’s too difficult to compare rates and save money.
Multiple auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest cost out there.
Car insurance providers offering affordable prices in Texas
The providers in the list below have been selected to offer price quotes in Texas. If you wish to find the best auto insurance in TX, it’s highly recommended you compare several of them to get the cheapest price.
Get affordable rates by applying discounts
Insurance can be pricey, but you might find some hidden discounts to help bring down the price. Many discounts should be triggered at the time of quoting, but some discounts are required to be asked for prior to receiving the credit.
- Good Student Discount – Getting good grades may save as much as 25% on a Laredo auto insurance quote. Most companies allow this discount up until you turn 25.
- Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get better insurance rates.
- Theft Deterrent Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
- No Claims – Good drivers with no accidents have much lower rates in comparison to bad drivers.
- Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles with the same insurance company can reduce rates for all insured vehicles.
- Save with a New Car – Buying a new car instead of a used Sky can cost up to 25% less since new vehicles are generally safer.
- Home Ownership Discount – Owning your own home or condo can save you money because owning a home requires personal responsibility.
- Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums on your policy.
- Active Service Discounts – Having a deployed family member could trigger a small discount.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
Discounts lower rates, but many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, insurance companies aren’t that generous.
If you would like to view insurance companies with discount rates in Laredo, click here.
When do I need an agent’s advice?
When selecting the right insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out whether you could use an agent’s help.
- Can my babysitter drive my car?
- What if I total my Saturn Sky and owe more than it’s worth?
- Does medical payments coverage apply to all occupants?
- How high should deductibles be on a Saturn Sky?
- Does rental coverage apply when I am renting a car?
- How can I get the company to pay a claim?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Local neighborhood insurance agents
Some people still prefer to talk to a local agent and that is OK! A good thing about comparing rate quotes online is that you can find better rates and still have an agent to talk to.
After completing this simple form, your information is transmitted to companies in Laredo who will gladly provide quotes for your car insurance coverage. You won’t even need to contact any insurance agencies since rate quotes are delivered to your email. Get lower rates and an insurance agent to talk to. If you want to compare prices from a specific car insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
Deciding on an company requires more thought than just a cheap quote. You should also get answers to these questions.
- How much will you save each year by using a higher deductible?
- Which family members are covered?
- How many years of experience in personal auto insurance do they have?
- Is vehicle damage repaired with OEM or aftermarket parts?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is the quote a firm price?
- Do the companies they represent have a solid financial rating?
If you receive positive responses to all your questions and the cheapest Saturn Sky insurance in Laredo quotes, you have narrowed it down to an insurer that is professional and can service your policy.
Auto insurance company ratings
Buying coverage from a highly-rated car insurance provider can be challenging considering how many companies provide coverage in Texas. The company information below may help you pick which companies to look at to insure your vehicles.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart shoppers get results
As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.
More affordable insurance in Laredo is available online in addition to many Laredo insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not offer price quotes online and these small, regional companies provide coverage only through independent insurance agencies.
Steps to saving on Saturn Sky insurance in Laredo
If saving the most money is your goal, then the best way to find discount Saturn Sky insurance in Laredo is to regularly compare prices from insurers who can sell car insurance in Texas.
- Read and learn about individual coverages and the modifications you can make to keep rates in check. Many risk factors that cause rate increases such as at-fault accidents and an unfavorable credit rating can be controlled by making minor driving habit or lifestyle changes.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote prices from many different companies.
- Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A crucial key to this process is to make sure you’re comparing identical deductibles and limits on every quote and and to look at every company you can. Doing this enables an accurate price comparison and the best price quote selection.
To learn more, feel free to browse these articles:
- Vehicle Safety Ratings (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a Jeep Wrangler in Laredo? (FAQ)
- How Much are Car Insurance Rates for Electric Cars in Laredo? (FAQ)
- Who Has Cheap Laredo Car Insurance for Unemployed Drivers? (FAQ)
- What Insurance is Cheapest for Single Moms in Laredo? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Active Military in Laredo? (FAQ)
- What Auto Insurance is Cheapest for Business Use in Laredo? (FAQ)
- Who Has Affordable Laredo Auto Insurance for Veterans? (FAQ)
- Safety Features for Your New Car (State Farm)
- Teen Driving Statistics (GEICO)