Cheapest Car Insurance Quotes for Inexperienced Drivers in Texas

Wouldn’t it be great if we could instantly tell you the single best company that has the lowest car insurance rates for inexperienced drivers? Unfortunately, it’s just not that easy, as there are a whole bunch of unknown elements such as if you want full coverage included, if you are married or single, and the likelihood of vehicle theft where you live. This article delves into the types of situations that result in high rates and will give you a good start to your coverage search.

Determining which companies quote the lowest-priced insurance rates for inexperienced drivers takes a tad more effort in order to find the best policy. Each insurance company uses a different method for setting prices, so we will examine the most affordable insurance companies in Texas.

We do need to point out that Texas insurance rates are determined by lots of factors which can substantially change your annual premium. Simply having a birthday, buying a home, or getting into an accident may generate price changes that can make some companies cheaper in comparison to the competition.

Find the Best Cheap Insurance for Newbies

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Travelers normally has some of the lowest car insurance rates in Texas at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the best Texas car insurance companies.

As shown in the table above, if you are currently insured with Esurance and switched to USAA, you may see annual savings of upwards of $290. Policyholders with California Casualty may save as much as $307 a year, and State Farm customers might lower prices by up to $333 a year.

If you want to find out if you’re overpaying, click here to start your free quote or visit any of the companies below.

Bear in mind that those policy prices are averages for all ages of drivers and types of vehicles and and are not calculated with a price decrease for inexperienced drivers. So the car insurance company that has the cheapest rates for you may not even be in the above list. That underscores the importance of why you need to compare rates from multiple companies using your own individual information.

When shopping for insurance for new drivers, one of the many factors that influence the cost of insurance is where your home is located in Texas. Areas that are densely populated or have higher claim frequency like McAllen, Laredo, and Houston tend to pay more, whereas more rural areas generally have lower rates.

The illustration below illustrates the most expensive places in Texas for inexperienced drivers to purchase auto insurance in.

Rates are approximated as the specific geographic location can change auto insurance rates substantially.

We all have different tastes in cars, and the vehicle you are insuring is probably the most important factor when comparison shopping for the cheapest car insurance for inexperienced drivers in Texas. Vehicles with high performance, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.

The tables below features auto insurance prices for a number of the more afforable automobiles to buy coverage for.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific Texas garaging location which can affect auto insurance rates greatly.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific garaging location which can lower or raise insurance rates noticeably.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can affect price quotes considerably.

Drive safe and save

One of the best ways to enjoy the cheapest car insurance for inexperienced drivers in Texas is to drive attentively and maintain a clean driving record. The example below shows how traffic citations and at-fault claims can increase auto insurance rates for different categories of driver ages. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2277,2783,3295],[‘Age 30’, 1535,2041,2553],[‘Age 40’, 1437,1941,2453],[‘Age 50’, 1257,1763,2275],[‘Age 60’, 1219,1721,2235],[‘Age 70’, 1437,1943,2457]]);var options = {title: ‘Effect of Tickets and Accidents on Texas Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,527. Add in two speeding tickets and the average cost swells to $2,032, an increase of $505 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for inexperienced drivers goes up to an average of $2,545. That’s an increase of $1,018, or $85 per month, just for not driving attentively!

The example below highlights how deductible choice can affect insurance costs when researching cheap insurance for inexperienced drivers. Data assumes a married male driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4345,3959,3537,3139],[‘Age 30’, 2255,2053,1823,1605],[‘Age 40’, 2163,1977,1767,1565],[‘Age 50’, 1981,1813,1623,1441],[‘Age 60’, 1949,1781,1595,1417],[‘Age 70’, 2245,2063,1863,1673]]);var options = {title: ‘Effect of Deductibles on Auto Insurance Prices in Texas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could lower rates by $396 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $598 by using a $1,000 deductible. Young drivers, like the Age 20 category, could reduce their rates as much as $1,206 or more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Ideas for finding economical insurance for inexperienced drivers

The list below details some thrifty ideas that can help drivers find the cheapest car insurance.

• Higher credit scores may earn you cheaper rates
• Insure your home and auto with the same company
• Avoid accidents and claims
• Save money by insuring older vehicles for liability only
• Vehicles with good safety ratings have lower liability rates
• Comparison shop at least once a year

That last idea is extraordinarily crucial, as we hit on in the prior information. Prices charged by auto insurers change a lot, so drivers shouldn’t hesitate to change to a new company if a lower-cost policy is available. Staying with the same company for years is fine, but it’s not a good idea if that devotedness results in you overpaying thousands of dollars over several years. It takes less than five minutes to shop around and find cheaper car insurance for inexperienced drivers.

Who has the cheapest insurance quotes for new drivers?

Thanks to the internet, there are a lot of ways to purchase insurance in Texas, but the three most common are through an independent or non-exclusive agent, an exclusive insurance agency such as State Farm or Allstate, or from a direct company like Geico or Progressive. All three ways are similar, but buyers should know the differences in how they function.

Independent insurance agencies have contracts with multiple insurance companies and can provide price quotes from every one. Agents of this type are not restricted to one company and can give you more rates, which can help you get the best idea of how your rates compare. If they quote lower rates, the agent simply finds a different carrier which requires no work on your part.

Exclusive agencies are usually just provide rates from one company, two of the more popular are Farmers Insurance or State Farm agents. These agents usually cannot provide a range of price quotes, so it’s a take it or leave it situation.

If you buy direct, you bypass a local agent and buy buying direct from a company like Progressive or Esurance. Buying insurance direct is good for consumers who do not have complex finances and have an above average understanding of the exclusions of a policy.

Out of those three methods, which one works best to find the cheapest car insurance for inexperienced drivers in Texas? It would be simple to say buying from a direct company results in the best prices because there are no middleman commissions, but that does not always hold true. It would also be easy to say an independent agency is the best way since they can provide multiple quotes, but again, it’s not a sure thing. In a lot of cases, the exclusive agents may have very competitive prices that are impossible to beat.

Because it’s impossible to say who has the best insurance rates, the best way to ensure you are not overpaying for insurance is to compare, compare, and compare some more. Be sure to get price quotes from independent, exclusive, and direct to give yourself the best selection. For a list of companies with some of the cheapest Texas insurance rates, click here to view.