How Much are Insurance Quotes for Drivers with Good Credit in Texas?

The safety and performance level of the vehicle that is being insured is a large factor when comparison shopping for cheap insurance for drivers with good credit in Texas. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost much less to insure than higher performance models. The data below ranks insurance costs for a handful of the more afforable vehicles to buy insurance for.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific location which can revise rates noticeably.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can increase or decrease coverage prices substantially.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in specific zip code location which can decrease or increase premiums greatly.

For financially responsible drivers, one of the big criteria that auto insurance companies use when figuring the policy price is where you keep your vehicle. Areas with a lot of weather claims or more people like McAllen, Laredo, and Dallas tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap insurance for drivers with good credit in Texas.

The information below ranks the most expensive areas in Texas for drivers with good credit in which to buy car insurance.

Rate quotes are estimated as the garaging address in Texas can change premiums considerably.

What is the best car insurance company in Texas?

Ending up with a highly-rated insurance provider is hard considering how many companies sell coverage in Texas. The company information below may help you pick which car insurance providers to look at when looking for cheaper rates. These rankings are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in Texas will not be included in the list.

Top 10 Large Auto Insurance Companies in Texas Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

The diagram below illustrates how your choice of deductibles can increase or decrease annual premium costs when getting quotes for cheap insurance for drivers with good credit. The prices are based on a single female driver, comp and collision included, and no discounts are applied.

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The data above shows that a 40-year-old driver could lower their car insurance rates by $422 a year by switching from a $100 deductible to a $500 deductible, or save $634 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save up to $1,074 or more just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find more affordable car insurance for drivers with good credit

Here are a few money-saving solutions that can help you find cheap auto insurance.

• Be a cautious driver
• Avoid accidents and claims
• Higher deductibles mean lower rates
• Good credit can help you save money
• Buy a vehicle with excellent safety ratings
• Compare rate quotes often

That last idea is extraordinarily important, as we pointed out in the prior information. Insurance prices can change in a short period of time, so you should be ready to buy a policy from a new company if you find a better deal.

Many drivers prefer to stick with one company, but it isn’t a good idea if that faithfulness ends up costing you a lot of money. If you have a few minutes, compare prices and find cheaper car insurance for drivers with good credit.