Your auto insurance policy should be affordable while protecting you from potential losses. In the state of Texas, all motorists are required to carry a minimal amount of liability coverages which help restore property damage and expenses regarding the bodily injury to another party should you be found at fault for an accident. There are many different car insurance companies available, and determining the best brand for you can be confusing motorists as a result.
The important thing to remember is that every insurance carrier is different in terms of how they assess risk, and to some degree, which coverage options they provide. Each motorist will also have different needs all of which will result in varying premium rates. The average cost for minimum coverage in Texas is $524 per year, and comparing your car insurance can help you lower this cost further. Learn more on how to compare car insurance and save money through policies you can rely on.
How to Compare Car Insurance
There are no shortages of names when it comes to car insurance agencies. Drivers have plenty of options, but there are a few main criteria all motorists should consider when enrolling for coverage:
- Is my insurance provider capable of paying me on time and in full after a successful claim?
- Does my insurance provider execute quality customer service for its policyholders?
- Is this the lowest price for my premium and will it cover me against all necessary risks and perils?
If the answer to those three questions is a resounding “yes”, then you’ve found the right car insurance company for you. Common industry advice dictates that motorists compare at least three insurance brands before arriving at a decision for their protection; however, even three brands can present challenges for drivers including:
- Taking an abundance of time to research each brand.
- Missing out on additional information due to a narrow scope of research.
- The lack of a trained eye to help sift through the data and help you determine your risks to find the right form of protection for your needs.
Taking the time to compare a variety of brands will help you, in the long run, save hundreds if not thousands of dollars. Doing so with the help of a team of experts will help you save time, money, and prevent coverage gaps you might otherwise miss.
How to Get Car Insurance Quotes
Getting a car insurance quote is simple at Freedom Insurance Group. Just click our auto insurance quote tool, fill out the forms, and enjoy a free, instant quote with no obligation. We work with a variety of car insurance brands, give or take 25+ top-rated insurers, to make sure that our clients receive the best possible coverage for the lowest possible rate. Your car insurance quote is compared among these brands instantly to save you time and in most cases, tons of money. We save the average driver 40% on their auto insurance premiums.
Why Texas Motorists Should Compare Car Insurance Rates
Car insurance is something every driver needs, but not something many think about unless it is needed. In an ideal world, you’d set and forget your coverage and never use it because you never suffer a loss. But in the real world, accidents happen and things change. One of these changes may be to your car insurance rate. It doesn’t matter if it’s your first policy or a renewal, you’ll want to compare your rate.
Failing to compare your coverage can have plenty of negative outcomes for drivers including:
- Overpaying for coverage as your rate may go up for a number of reasons.
- You may have too much coverage as your circumstances have changed.
- You may be underinsured due to a change in your life and exposed to gaps in your coverage.
Comparing your car insurance rates is the best way to save money and maintain an appropriate level of coverage for your needs.
Car Insurance Brands That Save Texans Money
Freedom Insurance Group partners with top-rated insurance companies to provide the best protection for your home, auto, and other needs. Texans are diverse and as a driver, your needs are also diverse. It only makes sense to work with a variety of providers who can meet the needs of each motorist in different ways. By doing so, we can compare your rate and look for the best possible coverage, discounts, and bundling options.
It is important to use a reputable insurance company with a strong financial rating. Your insurance provider’s financial rating is derived from an independent, third party to rate the ability for a provider to pay their policyholders in the event of a loss. This is why we only use top-rated insurance companies to protect our clients. Get to know some of our esteemed insurance partners a little more below.
Allstate Home and Auto Insurance
One of the most recognizable names in insurance, Allstate has been providing coverage for Americans since 1931. Allstate car insurance is a popular option for many drivers offering plenty of coverage options and add-ons. AM Best is one of the leading credit rating agencies in the United States. The agency has rated Allstate to have a Financial Strength Rating (FSR) of A+ (Superior). The company’s infamous story “you’re in good hands” rings true for drivers as Allstate car insurance is some of the most reliable policies on the market.
Anchor Home and Property Insurance
Don’t let the name fool you. When it comes to reliable, cheap car insurance, Anchor Home and Property Insurance delivers. Established in 2014, this Florida-based company has been insuring motorists across Texas for years. Demotech, Inc., another leading credit rating agency, has granted Anchor Insurance an FSR of A (Exceptional). Meaning, that if you are facing a loss, Anchor Insurance is there to answer the call and protect your finances.
Bristol West Auto Insurance
Bristol West Auto Insurance is a company that falls underneath the Farmers Insurance brands. Specializing in car insurance, Bristol West is known for its great customer service, affordable rates, coverage options for high-risk drivers, and strong financial status. Serving its customers for 45+ years, Bristol West Auto Insurance is a fine option for any Texas motorist. AM Best has granted the company an FSR of A- (Excellent).
As another Farmers Insurance brand, Foremost Insurance customers will receive car insurance coverage from Bristol West’s esteemed product lineup.
Gainsco Auto Insurance
Hailing from Dallas, Texas, Gainsco Auto Insurance is a reliable insurance provider of car insurance policies. The company is known for being a viable option for high-risk drivers in need of auto coverage. Carrying an FSR of A- (Excellent) from AM Best, Gainsco car insurance policies are reliable options for any motorist.
Hagerty Vehicle Insurance
Hagerty Vehicle Insurance has been in business since 1984 and offers a wide range of coverage options, however, the company is best known for its classic car coverage. Hagerty loves vehicles and helps car enthusiasts protect their pride and joy. Standard & Poor’s, one of the world’s biggest brands for credit ratings, has given Hagerty Vehicle Insurance an A+ or better rating. This shows a strong financial footing and makes Hagerty a wonderful choice for any driver.
Hippo Home Insurance
In 2015, Hippo has made a name for itself as a home insurance provider and is now working to help motorists across the Lone Start State stay protected too. AM Best has determined an FSR of A- (Excellent) for Hippo. This means that Texans who enroll in their coverage can have peace of mind in the company’s ability to fully pay their claim in a timely manner.
Infinity Car Insurance
Infinity Car Insurance is another company rated A- (Excellent) by AM Best. What started as a company out of Birmingham, Alabama, in 2002, has grown into a multi-state coverage provider that is part of the Kemper Insurance brand.
Kemper Auto Insurance
From its founding in 1990, Kemper Auto Insurance is now the parent company of a variety of insurance options and manages around $15 billion in assets. Receiving a claim reimbursement on time and in full is no problem for Kemper’s policyholders. The company is rated A- (Excellent) by AM Best.
National General Home and Auto Insurance
National General Insurance has been working to protect people like you since 1920. Its parent company is the renowned industry leader Allstate, and it offers a great range of car insurance products that protect motorists. Its exceptional customer service and A+ (Superior) FSR from AM Best only strengthen the company’s reputation.
National Summit Insurance
AM Best has assigned an FSR of A (Excellent) to this Dallas, Texas-based insurance provider. The team at National Summit has been helping protect Texans since 1948. Formally known as National Lloyds Insurance Co., National Summit Insurance is a subsidiary of ReAlign Insurance Holdings Inc., and offers a range of attractive car insurance policies for its clients.
Progressive Auto Insurance
A nationally recognized name. An FSR of A+ (Superior) from AM Best. A quirky marketing scheme. Whatever you think when you hear the name Progressive Auto Insurance, just know that the company continues to offer some of the best car insurance products to policyholders in Texas on the market. Since 1937, Progressive has been helping people like you protect what matters most.
Safeco/Liberty Mutual Home and Auto Insurance
Safeco’s backing from Liberty Mutual means strong financial strength and an array of personal auto insurance products for Texans. The company began in 1923, featuring nearly 100 years of service. AM Best gives them an A (Excellent) FSR, and we think you will too as a client.
Stillwater Auto Insurance
Holding several positive FSRs including an A- (Excellent) from AM Best, Stillwater Auto Insurance is a stable company with many options for drivers in need of protection. Founded in Florida, the company now serves all 50 states and helps its Texas policyholders through unique products and stellar customer service.
The General Auto Insurance
Policyholder or not, you’ve likely seen one of the memorable commercials from The General. A nationally recognized insurance provider, The General’s Auto Insurance options are affordable, reliable, and built to fit the needs of many different types of drivers. Texans can enroll in coverage knowing that their claims will be met as The General holds an A (Excellent) FSR from AM Best and plenty of experience having been founded in 1963.
Travelers Auto and Home Insurance
The FSR of A++ (Superior) from AM Best is the highest honor from the company. Travelers Auto Insurance has earned this esteemed rating and continues to be an industry leader for affordable, reliable auto insurance products. Founded in 1853, the company has a wealth of experience and assets for a secure footing, excellent customer service, and attractive insurance options.
Texas-native Wellington Insurance is a viable option for anyone in the Lone Star State looking to stay protected on the road for less. The company is from Fort Worth, TX, and works with plenty of top-rated insurance brands to help further the auto insurance offerings you have the opportunity to enroll in as a client.
Weston Insurance checks off all of the boxes. A strong FSR from Demotech of A (Exceptional), unique auto insurance coverage options, and unbeaten customer service. Texans can hit the road with confidence as a policyholder knowing that the company founded in 2011 is here to serve should they face a loss.
Don’t see your insurance provider listed? Not to worry. We work with a number of brands, but the standard remains the same. To ensure one of our clients, Freedom Insurance Group partners with only strong companies that have their policyholders’ best interests at heart. For a full range of options to compare car insurance in Texas, contact our agents to discuss your coverage options.