The best way we recommend to get low-cost car insurance prices is to start comparing rates regularly from insurers in Garland. Price quotes can be compared by completing these steps.
First, read about car insurance and the things you can control to lower rates. Many things that are responsible for high rates like traffic citations, accidents, and a less-than-favorable credit history can be improved by making minor driving habit or lifestyle changes. Continue reading for more ideas to prevent high prices and get additional discounts that may have been overlooked.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide price quotes from multiple companies. View companies
Third, compare the new rate quotes to your existing rates and see if you can save money. If you find a better price, make sure there is no lapse in coverage.
One bit of advice is to use identical limits and deductibles on each price quote and and to get rate quotes from every company you can. This helps ensure the most accurate price comparison and the most accurate and complete price analysis.
Remarkably, a study showed that a large majority of drivers have purchased from the same company for a minimum of four years, and about 40% of consumers have never even compared quotes to find cheaper rates. With the average premium in America being $1,847, drivers can save nearly 47% each year, but they think it’s difficult to find cheaper insurance rates.
Don’t overlook these auto insurance discounts
Not many people think insurance is cheap, but there are discounts available that can drop the cost substantially. Certain credits will be shown at the time of purchase, but lesser-known reductions have to be specially asked for before they will apply.
- Auto/Home Discount – If you combine your auto and homeowners policies with one company they may give you a discount of 10% to 20% off each policy.
- Telematics Data – Insureds who allow their auto insurance company to study driving habits by using a telematic data system such as State Farm’s In-Drive might get better premium rates as long as they are good drivers.
- Accident-Free Discounts – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
- Government Employees – Being employed by or retired from a federal job can save as much as 8% with certain companies.
- Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for discounted rates on garaged vehicles.
- Save over 55 – Drivers that qualify as senior citizens may qualify for lower premium rates.
- Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
- E-sign Discounts – A handful of companies provide a small discount just for signing your application on their website.
Just know that many deductions do not apply the whole policy. Most only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, it’s just not the way it works.
A partial list of companies that may offer quotes with most of the discounts above include:
When getting a coverage quote, ask all the companies the best way to save money. Some discounts may not be offered in every state. To choose insurance companies with the best discounts in Texas, click here.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium |
|---|---|---|---|
| Chevrolet Colorado LT 4WD | $1,144 | $572 | $95 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,352 | $676 | $113 |
| Dodge Grand Caravan CV | $1,280 | $640 | $107 |
| Dodge Ram Quad Cab SLT 4WD | $1,474 | $737 | $123 |
| Ford Escape Limited 4WD | $1,250 | $625 | $104 |
| Ford Explorer XLT 4WD | $1,280 | $640 | $107 |
| Ford F-150 Lariat Super Cab 4WD | $1,388 | $694 | $116 |
| Ford Focus S 4-Dr Sedan | $1,318 | $659 | $110 |
| Honda Accord LX-P 4-Dr Sedan | $1,144 | $572 | $95 |
| Honda CR-V EX 2WD | $1,144 | $572 | $95 |
| Honda Civic GX 4-Dr Sedan | $1,494 | $747 | $125 |
| Honda Odyssey EX-L | $1,424 | $712 | $119 |
| Hyundai Elantra GLS Touring Station Wagon | $1,144 | $572 | $95 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,342 | $671 | $112 |
| Nissan Altima 2.5 4-Dr Sedan | $1,352 | $676 | $113 |
| Toyota Camry SE | $1,424 | $712 | $119 |
| Toyota Corolla S | $1,424 | $712 | $119 |
| Get Rate Quotes for Your Vehicle Go | |||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Garland location which can decrease or increase rates greatly.
Most major insurance companies such as 21st Century, Allstate and State Farm allow consumers to get prices on the web. This process is easy for anyone because you just enter your required coverages into a form. After the form is submitted, the company’s rating system obtains credit information and your driving record and returns pricing information.
Getting online rates makes it easy to compare insurance prices and it’s very important to have as many quotes as possible if you want to find the lowest payment possible.
To fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. Doing this assures you will have an apples-to-apples comparison using the exact same coverages.
The companies shown below provide free quotes in Garland, TX. If more than one company is shown, we recommend you get rates from several of them to find the most affordable car insurance rates.
Buying car insurance from Garland insurance agencies
A small number of people still prefer to buy from a local agent and often times that is recommended A good thing about comparing car insurance online is that drivers can save money and get lower rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, the coverage information is emailed to local insurance agents in Garland that can give you free Garland car insurance quotes and help you find cheaper coverage. There is no reason to do any legwork since rate quotes are delivered instantly to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you have a need to compare prices from a specific car insurance provider, you would need to search and find their rate quote page and fill out the quote form the provide.
Picking the best company should depend on more than just a low price. Here are some questions you might want to ask.
- Do you qualify for any additional discounts?
- Are there any extra charges for paying monthly?
- Is there a 24/7 contact number?
- How much can you save by raising your physical damage deductibles?
- Does the agency have a good rating with the Better Business Bureau?
- Do they have any clout with companies to ensure a fair claim settlement?
The different types of auto insurance agents
If you’re trying to find a reliable insurance agency, there are a couple of different types of agents that you can choose from. Car insurance policy providers may be either independent agents or exclusive agents.
Exclusive Agencies
These type of agents can only provide one company’s prices and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. These agents are trained well in insurance sales which helps offset the inability to provide other markets. Consumers often use the same agent mainly due to high brand loyalty rather than having low rates.
Shown below are exclusive insurance agents in Garland that are able to give price quotes.
- Farmers Insurance – Lydia Barrientos
3115 S 1st St Ste 100 – Garland, TX 75041 – (972) 926-7179 – View Map - Allstate Insurance: Marion Suits
1546 Rowlett Rd Ste 111 – Garland, TX 75043 – (972) 303-0774 – View Map - Farmers Insurance – Stephanie Duvall
1409 Forest Ln – Garland, TX 75042 – (972) 276-6266 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are normally appointed by many insurers and that enables them to quote your coverage through many different car insurance companies and potentially find a lower price. If your premiums go up, an independent agent can move your coverage and you stay with the same agent. When shopping rates, you will definitely want to check rates from several independent insurance agents to ensure the widest selection of prices. Many can place coverage with small regional insurance companies that many times have cheaper rates.
Listed below is a list of independent insurance agencies in Garland who can help you get rate quotes.
- Cerra Insurance
119 W Kingsley Rd – Garland, TX 75041 – (972) 840-2423 – View Map - Metroplex Commercial Insurance
329 Oaks Trail #123 – Garland, TX 75043 – (972) 203-5643 – View Map - Tri-Co and Associates Insurance Agency
310 E Interstate 30, Suite # B104 – Garland, TX 75043 – (972) 226-2422 – View Map
Auto insurance overall losses by make and model
Which vehicles statistically have the most claims? The statistics below show the worst and best cars and trucks for likelihood of having to file claims for each type of coverage.
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Audi A6 | Mitsubishi Mirage |
| Fiat 500 | Chevrolet Sonic |
| Volvo XC60 | Kia Rio |
| Subaru Forester | Dodge Charger |
| Subaru Outback | Chevrolet Impala |
| Chevrolet Corvette | Chrysler 200 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Ford F-250 SuperCab | BMW 6 Series |
| GMC Canyon | Audi RS7 |
| Ford Edge | Bently Continental GT |
| Chevrolet Colorado | Maserati Granturismo |
| Jeep Wrangler | Bently Continental GTC |
| Smart ForTwo | Ferrari 458 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Chevy Spark | BMW M6 |
| Smart ForTwo | Porsche Panamera GTS |
| Ford F-350 | Audi S7 |
| Nissan Xterra | BMW M6 |
| Nissan Leaf | Maserati Quattroporte |
| Infiniti QX50 | Maserati Granturismo |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
| Lowest Claim Amount | Highest Claim Amount |
|---|---|
| Chevrolet Silverado 2500 | Chevrolet Sonic |
| Land Rover Range Rover Sport | Mitsubishi Mirage |
| Chevrolet Corvette | Chrysler 200 |
| Audi A4 Allroad | Nissan Sentra |
| Ford F-250 SuperCrew | Chevrolet Spark |
| Ford F-350 SuperCrew | Dodge Charger |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Keep this in mind when shopping around
Lower-priced insurance in Garland is definitely available both online and from local agencies, so get free Garland car insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not have price quotes online and these regional carriers only sell through independent agents.
While you’re price shopping online, you should never reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best possible price.
You just read many ways to compare insurance premium rates in Garland. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Garland car insurance quotes. Drivers may even discover the biggest savings come from some of the lesser-known companies.
Other information
- How to Avoid Common Accidents (State Farm)
- How Much are Car Insurance Quotes for Police Officers in Dallas? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in Dallas? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- How do I File a Claim? (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)