Cheap Plano Car Insurance Quotes

The most effective way to get affordable auto insurance prices in Plano is to regularly compare prices from insurers in Texas.

Step 1: Spend a few minutes and learn about how car insurance works and the steps you can take to prevent high rates. Many things that increase rates like speeding and poor credit rating can be controlled by making lifestyle changes or driving safer. Keep reading for additional tips to help find cheaper rates and find missing discounts.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can provide rate quotes from multiple insurance companies.

Step 3: Compare the quotes to your current policy to see if a cheaper rate is available. If you find a lower rate quote, make sure coverage is continuous and does not lapse.

Step 4: Give notification to your agent or company of your decision to cancel your current auto insurance policy. Submit a down payment along with a signed application to the new company. Make sure you keep your new proof of insurance paperwork in your vehicle.

A good tip to remember is that you'll want to compare the same level of coverage on each quote and and to get quotes from as many different companies as possible. Doing this ensures a fair rate comparison and the best rate selection.

It goes without saying that car insurance companies want to keep you from shopping around. Drivers who shop around are very likely to switch companies because there is a good chance of finding a more affordable policy. A recent study showed that people who compared rate quotes regularly saved about $865 a year compared to people who didn't regularly shop around.

If finding the lowest rates on insurance is why you're here, then having a good understanding how to get rate quotes and compare coverages can save money and time.

Car insurance companies in Texas

The providers in the list below offer free quotes in Plano, TX. If several companies are displayed, it's highly recommended you click on several of them to find the most competitive car insurance rates.

Insurance Rates for Popular Vehicles in Plano
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $906 $453 $76
Chevrolet Malibu Hybrid $906 $453 $76
Chevrolet Silverado LT Regular Cab 2WD $970 $485 $81
Dodge Ram Crew Cab Sport 4WD $1,052 $526 $88
Ford Escape XLT 4WD $782 $391 $65
Ford F-150 SVT Raptor Super Cab 4WD $924 $462 $77
Ford Focus SES 2-Dr Coupe $1,016 $508 $85
Honda Accord LX 4-Dr Sedan $764 $382 $64
Honda CR-V EX-L 2WD $782 $391 $65
Honda Civic DX 2-Dr Coupe $1,058 $529 $88
Hyundai Elantra SE Touring Station Wagon $830 $415 $69
Hyundai Sonata GLS 4-Dr Sedan $970 $485 $81
Nissan Altima 2.5 S 4-Dr Sedan $952 $476 $79
Nissan Rogue SL 2WD $970 $485 $81
Toyota Camry LE $906 $453 $76
Toyota Corolla XLE $952 $476 $79
Volkswagen Jetta 2.0T Station Wagon $894 $447 $75
Get Rate Quotes for Your Vehicle Go

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in garaging location in Plano which can raise or lower auto insurance rates significantly.

Are you obtaining every discount?

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Some discounts will apply at the time you complete a quote, but a few need to be specially asked for prior to receiving the credit. If you're not getting every credit you qualify for, you could be paying more than you need to.Save money with discounts

  • Telematics Data Discounts - Drivers that enable their insurance company to look at their driving habits through the use of a telematics system such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease if they exhibit good driving behavior.
  • Life Insurance Discount - Some insurance companies give a small discount if you purchase life insurance from them.
  • Sign Early and Save - Select insurance companies give a discount for switching policies before your current expiration date. This discount can save up to 10%.
  • Claim-Free Discount - Insureds with no claims or accidents get the best insurance rates in comparison to insureds who have frequent claims or accidents.
  • Theft Deterrent System - Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Passive Restraint Discount - Factory options such as air bags or motorized seat belts can get savings of 20% or more.

Don't be shocked that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you aren't that lucky.

A few popular companies and some of the discounts are included below.

  • GEICO offers discounts including driver training, seat belt use, emergency military deployment, five-year accident-free, multi-vehicle, and anti-lock brakes.
  • MetLife discounts include good driver, good student, accident-free, defensive driver, multi-policy, and claim-free.
  • Progressive includes discounts for online quote discount, multi-vehicle, multi-policy, continuous coverage, online signing, homeowner, and good student.
  • Travelers may have discounts that include home ownership, new car, good student, early quote, and multi-policy.
  • SAFECO may offer discounts for multi-car, anti-lock brakes, homeowner, safe driver, accident prevention training, teen safe driver, and bundle discounts.
  • AAA has savings for AAA membership discount, good driver, good student, anti-theft, pay-in-full, multi-policy, and education and occupation.

If you need lower rates, check with all the companies to give you their best rates. Some discounts listed above might not be offered on policies in every state. To locate insurance companies with discount insurance rates in Plano, click this link.

Why you might pay higher rates in Plano

Smart consumers have a good feel for the different types of things that play a part in calculating the level of your policy premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that could result in cheaper rates. Lots of things are taken into consideration when you get a price on insurance. A few of the factors are predictable like your driving record, but some are less apparent like where you live or how financially stable you are.

The factors shown below are a partial list of the pieces used by insurance companies to determine your rates.

  • Prevent theft and reduce prices - Buying a car with advanced anti-theft systems can help bring down rates. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
  • Your address can influence rates - Being located in less populated areas can save you money when it comes to insurance. Less people living in that area corresponds to lower accident rates in addition to lower liability claims. People who live in big cities tend to have much more traffic and more severe claims. Longer commute distances means more chances of being involved in an auto accident.
  • How credit rating affects insurance costs - An insured's credit score can be an important factor in determining what you pay. If your credit rating can be improved, you may save money insuring your vehicle by taking the time to improve your credit score. People that have excellent credit scores tend to be more responsible as compared to drivers with worse credit.
  • Insurance rates and your occupation - Did you know your occupation can influence how much you pay for insurance? Occupational choices like military generals, executives, and accountants generally pay higher rates than the rest of us attributed to intense work situations and lots of time spent away from family. Other jobs like actors, historians and performers pay lower than average rates.
  • What's your car's crash test rating? - Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means less claims paid and lower rates for you.
  • Keep insurance rates low by being claim-free - If you frequently file small claims, you can expect either policy cancellation or increased premiums. Car insurance companies in Texas provide most affordable rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.
  • Men pay higher rates - Statistics show females are less aggressive when driving. This data doesn't prove that women are BETTER drivers than men. Men and women are in at-fault accidents at about the same rate, but the male of the species have costlier accidents. They also get more serious tickets such as reckless driving.
  • Youthful driver insurance prices - Older insureds are more cautious drivers, statistically cause fewer accidents, and receive fewer citations. Young drivers have been known to be inattentive when at the wheel of a vehicle so they pay higher insurance rates.

Get rate quotes but buy from a neighborhood Plano auto insurance agent

A small number of people just want to buy from a local agent and that is a smart decision Agents will help you protect your assets and help file insurance claims. The best thing about price shopping on the web is you can get cheap car insurance quotes and still choose a local agent. Buying insurance from local insurance agencies is especially important in Plano.

Insurance agency in PlanoFor easy comparison, once you complete this quick form, your coverage information is submitted to agents in your area who will give you bids for your car insurance coverage. It makes it easy because there is no need to visit any agencies as quotes are delivered immediately to you. If you have a need to quote rates from a particular provider, you would need to navigate to their website and fill out their quote form.

Below are agents in Plano that can give you price quote information.

View more agents

Picking an insurer requires you to look at more than just a cheap quote. These are some valid questions you should ask.

  • How much experience to they have in personal lines coverages?
  • Which company do they place the most coverage with?
  • How much can you save by raising your physical damage deductibles?
  • Do they specialize in personal lines coverage in Plano?
  • How often do they review policy coverages?
  • Are they in the agency full-time?
  • Will your rates increase after a single accident?
  • What are their preferred companies if they are an independent agency?

Car insurance overall losses by make and model

Are you driving a statistically high-claim vehicle? The statistics below outline the good and bad makes and models for the probability of having large claims for each type of coverage listed.

Liability Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Audi A6 Hyndai Accent
Mercedes-Benz SL Class Chevrolet Impala
Chevrolet Corvette Dodge Charger
Fiat 500 Chevrolet Cruze
Volvo XC60 Kia Optima
Subaru Forester Mitsubishi Mirage

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Land Rover Range Rover Sport Mitsubishi Mirage
Ford F-250 SuperCrew Chevrolet Spark
Chevrolet Silverado 2500 Kia Forte
Chevrolet Corvette Chevrolet Sonic
Chevrolet Silverado 3500 Chrysler 200
Ford F-350 SuperCrew Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
GMC Sierra 2500 Mercedes-Benz S Class
Smart ForTwo Maserati Quattroporte
Chevy Silverado 2500 Bentley Continental GT
Ford F-350 Bentley Continental GTC
Nissan Leaf Maserati Granturismo
Chevy Spark BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-150 SuperCrew Maserati Granturismo
Ford F-250 SuperCab BMW M6
GMC Canyon Bently Continental GTC
Nissan Xterra BMW 6 Series
Chevrolet Colorado Bentley Continental Flying Spur
Ford Edge Maserati Ghibli

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

What is YOUR best insurance company?

As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut liability coverage limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

Insureds switch companies for any number of reasons including denial of a claim, high rates after DUI convictions, being labeled a high risk driver or policy cancellation. Regardless of your reason for switching companies, finding a new car insurance company can be easier than you think.

We covered many ideas to reduce car insurance auto insurance rates online in Plano. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest Plano auto insurance quotes. Drivers may even discover the biggest savings come from some of the lesser-known companies.

More tips and info about car insurance can be read in these articles: