How to Shop and Save Money on Car Insurance in Texas
Find the best and cheapest car insurance in Texas
- Car Insurance
- Car Insurance
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Texas is known for its big size. Since Texas is so large, the state has the second-highest number of drivers on the road with more than 17 million drivers, according to Statsita. Car insurance in Texas can be expensive, so it’s important to do your research before deciding on a policy.
Texans tend to spend a lot of time on the road which is one of the reasons that car insurance in Texas can be pricey. Whether in urban or rural areas, Texans use their vehicles frequently, and there are a lot of cars on the road. More time driving means a higher risk of getting in an accident, This is one of the biggest reasons that the best car insurance can be expensive. However, it doesn’t have to be expensive if you take your time when shopping for car insurance and get multiple quotes to compare your options.
How to Shop for Car Insurance in Texas
As you research and shop for car insurance, keep the following tips in mind.
Get Quotes from Multiple Companies
The most important thing you can do if you’re looking for the best and cheapest car insurance in Texas is to shop around and get quotes from multiple companies. While insurance companies rely on many of the same types of information (such as your zip code, driving record, age, and so on) to determine what your premium rates will be, companies can place emphasis on a variety of factors. This can result in different rates from one company to the next, so shopping around is an important way to save you money.
Additionally, you should make sure that you can trust your car insurance company. Be sure to read reviews on Clearsurance.com before you purchase a policy from a new company.
Ask About Discounts
Whether it’s taking a defensive driving course or getting a break on your car insurance because you don’t drive many miles, you might be surprised at some of the discounts that are available to you. The best way to uncover these discounts is to ask about them. Check with your insurance agent or company to make sure you’re getting all the discounts you qualify for.
Ask About Bundling
Insurers like it when you have multiple lines with one company. If you are looking for auto insurance, see if your home insurance company offers vehicle insurance too. You might save money by having multiple policies with one insurance company.
The Top 3 Texas Car Insurance Companies According to Customers’ Insurance Ratings
In an analysis of reviews posted on Clearsurance, here are some of the companies that rose to the top for auto insurance in Texas, as of June 2020. The following list is top companies in Texas that offer quotes on Clearsurance.com as well as some analysis into why the company is highly rated.
Please note: In order to qualify for the list, companies must sell car insurance in Texas, have at least 25 car insurance reviews in the last two calendar years, and they must be a Clearsurance affiliate and offer quotes on the site. For a complete and updated list of the top-rated companies in Texas, you can visit the Texas car insurance rankings page and get personalized recommendations for the best insurance for you based on the basic information that you provide.
AAA is best known for its roadside assistance offering, but it’s also a popular and highly-rated car insurance company. With a score of 4.10 out of 5.00 stars for car insurance, AAA is the highest-rated car insurance option that offers quotes on Clearsurance.com. You can see data about AAA sourced from reviews on Clearsurance below.
Pros: There are many frequently mentioned pros discussed in Clearsurance reviews of AAA. The pros include an easy-to-use website, clear explanation of AAA’s coverage, transparent pricing, good discount offerings, flexible billing options, and a variety of coverage options.
Cons: Among AAA reviews on Clearsurance.com, there is no consistent trend of themes around specific cons. Any complaints are not frequent occurrences.
AAA is a good option to consider if you’re shopping for car insurance in Texas, according to those who have reviewed the company on Clearsurance.com. An examination of customer reviews found the following:
- 83% are planning to renew their policies with AAA,
- 84% would recommend AAA to a friend, and
- 80% cited a positive claim experience with AAA.
To give you an example of what customers say about AAA’s customer service, here is a review from a Texas AAA car insurance customer.
Progressive is the second highest rated car insurance company that offers quotes on our site. With nearly 13,000 total reviews on Clearsurance.com, Progressive is one of the most popular companies. Progressive earned a score of 4.06 out of 5.00 stars on Clearsurance.com.
Pros: Progressive customers frequently like the following aspects about the company and discuss them in reviews: easy-to-use website, clear explanation of Progressive’s coverage, transparent pricing, flexible billing options, and the variety of coverage options.
Cons: There are no trending cons that emerge from Progressive reviews on Clearsurance.com. Make sure to take a look at Progressive reviews to see what customers say about the company.
Progressive customers are generally pleased with their insurance experiences with the company, as you can see in the statistics below from reviews:
- 80% are planning on renewing their policies with Progressive,
- 80% would recommend Progressive to a friend, and
- 79% cited a positive claim experience with Progressive.
An example of a pleased Texas Progressive customer can be seen in this review below.
Nationwide is a large, national insurance company that offers insurance products for your home, auto, and more. With a score of 4.04 out of 5.00 stars for car insurance, Nationwide is one of the best car insurance options. Clearsurance evaluations cite the following “pros and cons” of Nationwide Insurance.
Pros: Customers on Clearsurance mention transparent pricing, flexible billing, and a variety of coverage options as positive factors. They also like that Nationwide’s website is easy-to-use.
Cons: The one recurring negative mentioned is that Nationwide doesn’t reward loyal customers. Any other complaints in reviews are case-specific issues rather than common trends that customers experience.
Nationwide’s customers are a loyal group, as you can see with the following data from reviews:
- 80% of Nationwide customers say they are likely to renew their policy,
- 77% would recommend Nationwide to a friend, and
- 80% rate their Nationwide claims experience positively.
Among Nationwide reviews on Clearsurance.com, we found a car insurance policyholder who has been with Nationwide for more than five years. The customer wrote a Nationwide review on Clearsurance, shown below.
Best Car Insurance for Military Members: USAA
USAA is very highly regarded by its insurance members, but you need to meet eligibility requirements to apply for insurance coverage. USAA prides itself on bringing the values of the military to the services it offers, including insurance, banking, and investment products. The company rates at 4.71 out of 5.0 stars for car insurance on Clearsurance.
Find out if you’re eligible: Am I eligible for USAA insurance?
Please note: USAA is the highest-rated car insurance company in Texas, but it was not included in the top three list above because it is only available to active and former military members and their families.
Pros: Customers on Clearsurance cite a variety of coverage options, good discounts, flexible billing, and an easy-to-use website among its many positives.
Cons: No common negative trends emerged from USAA reviews.
USAA members are an intensely loyal group, as seen in the following data from reviews:
- 93% of USAA customers are likely to renew their policies,
- 94% would recommend USAA to a friend, and
- 94% say that their USAA claims experience was positive.
If you look at USAA reviews on Clearsurance.com, you’ll see that there are a lot of very happy policyholders. An example of this can be seen in the following review that was written by a USAA car insurance customer from Texas.
Best Car Insurance for Drivers Age 50 and Over: AARP Auto Insurance Program from the Hartford
One of the best car insurance options for senior drivers and those age 50 and above in Texas is the AARP Auto Insurance Program from The Hartford. The program offers special features for senior drivers, and Clearsurance customers provide a lot of positive feedback about it. With 4.63 out of 5.0 stars, customers rate the coverage very favorably.
Please note: The AARP Auto Insurance Program from The Hartford has a higher rating than the top three Texas companies listed above. It was not included in the main list above because it’s only available to those who are 50 years of age or older and have an AARP membership.
Pros: Customers on Clearsurance list a variety of coverage options, good discounts, and that agents of the AARP Auto Insurance Program from The Hartford explain coverage well as reasons to go with the company.
Cons: The only major drawback mentioned by customers is that the AARP Auto Insurance Program from The Hartford doesn’t reward loyal customers.
The coverage from the AARP Auto Insurance Program from The Hartford is well-regarded by customers.
- 73% of customers saying they plan to renew their policies with the AARP Auto Insurance Program from The Hartford,
- 81% would recommend the insurance to a friend, and
- 79% rate their claims experience as positive.
Among the many positive reviews of the AARP Auto Insurance Program from The Hartford, we found a review from a Texas customer that discusses price and claim service.
Top 3 Texas Car Insurance Companies Based on Customer Price Rating
While there are a lot of things to look into when looking for the best car insurance company, price is an important factor. Clearsurance analyzed Texas companies and how customers rated the company for the price of their policies.
Below you can find the top 3 Texas companies rated by customers for their perceptions of price. Please note: for this ranking, we looked at all car insurance companies in Texas that had at least 25 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.
- USAA Insurance*: price rating of 4.28
- Travelers Insurance: price rating of 4.10
- AAA Insurance: price rating of 4.00
*USAA is only available to military members and their families. Read: Am I eligible for USAA?
>>>>SEE ALSO: Watch our YouTube video Best car insurance carriers in Texas by price rating.
If you take time to do research, you’ll be able to find the best and cheapest car insurance in Texas. You can save time and money on your insurance by learning from the experiences of other drivers as highlighted in this blog. Additionally, Visit Clearsurance’s Texas car insurance rankings page to get recommendations for the best Texas companies based on your preferences, powered by 150k+ customer reviews.