What Car Insurance is Cheapest for Used Cars in San Antonio?

The vehicle on the policy is one of the biggest factors when shopping around for the most economical coverage for used cars. Vehicles with reasonable performance levels, advanced safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The list below presents car insurance rates for a selection of the most affordable vehicles to insure.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in vehicle location which can raise or lower premium rates significantly.

Based on these rates, you can presume that models like the Honda CR-V, Jeep Wrangler, and Toyota Tacoma are most likely going to be a few of the less-costly vehicles to insure for pre-owned vehicles.

Comparing rates for budget auto insurance is not most people’s favorite thing to do, and figuring out which company quotes the cheapest car insurance rates for used cars will require even more rate comparisons. Each company has their own formula for filing rates in each state, so we need to take a look at the car insurance companies that tend to have lower prices in San Antonio.

It’s important to understand that San Antonio, TX car insurance rates are determined by lots of factors that control your annual premium. That is why drivers need to spend some time comparing rates to find cheap insurance quotes for used cars. Insurance rates can be altered by many factors and change substantially, so the most affordable company two years ago may now be one of the higher cost companies.

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Travelers may have some of the lowest car insurance rates in San Antonio at around $1,052 each year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also make the list of some of the cheapest San Antonio, TX auto insurance companies.

As depicted above, if you are currently insured with Germania Mutual and switched to Travelers, you might see a yearly savings of around $230. Customers with California Casualty could save as much as $344 a year, and Esurance policyholders might realize rate reductions of up to $355 a year.

To discover how much you can save, click here to get quotes or visit several of the following companies.

Remember that these premium estimates are averaged for all insureds and vehicles and do not factor in a specific vehicle garaging location for used cars. So the company that can offer you the best rate may not even be in the top 23 companies shown above. That is why you need to get rate quotes from many companies using your own specific driver information and vehicle.

Accidents and violations increase rates

The best way to earn cheap car insurance premiums in San Antonio for pre-owned vehicles is to pay attention while driving and not have accidents or get tickets. The chart below illustrates how speeding tickets and accidents increase insurance costs for different ages of insureds. The price estimates are based on a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $2,062. Receive two speeding tickets and the average cost increases to $2,748, an increase of $686 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of car insurance for used cars jumps again to an average of $3,450. That’s an increase of $1,388, or $116 per month, just for not being a responsible driver!

Get discount San Antonio insurance rates

Insurers that provide policies for used cars may also give you rate discounts that can lower rates by 35% or more if you can meet the requirements. A few of the larger companies and some of their more popular discounts include:

• American Family has discounts for bundled insurance, defensive driver, Steer into Savings, TimeAway discount, and mySafetyValet.
• Nationwide offers discounts for anti-theft, accident-free, family plan, business or organization, and defensive driving.
• MetLife may have discounts that include defensive driver, multi-policy, accident-free, claim-free, good student, good driver
• 21st Century offers premium reductions for air bags, teen driver, defensive driver, automatic seat belts, and student driver.
• Farmers Insurance may include discounts for electronic funds transfer, mature driver, business and professional, early shopping, distant student, and multi-car.
• Allstate policyholders can earn discounts including multi-policy, passive restraint, premier plus, EZ pay plan discount, safe driver, and early signing.

The example below illustrates the comparison of insurance premiums with and without some available policy discounts. The data is based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, safe-driver, claim-free, marriage, anti-theft, and accident-free discounts applied. When these discounts are applied, the average amount saved each year on car insurance for used cars is 28% or $771.

Tips for buying more affordable auto insurance for used cars

The list below details some penny-pinching ideas that can help San Antonio drivers get more affordable auto insurance.

• Do not file small claims
• Raise comprehensive and collision coverage deductibles
• Bundle home and auto and earn a discount
• Serious violations like DUI or reckless driving can increase rates dramatically
• Good credit can mean cheaper rates
• Avoid accidents
• Compare price quotes at least once a year

That last tip is extraordinarily critical, as we stressed in this write-up. Rates in San Antonio adjust often, so don’t be tentative to change insurance companies if you find a cheaper price. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that faithfulness ends up costing you major coinage every year. Take a couple minutes and compare rates and find cheaper insurance for used cars.

If you prefer to get some professional advice when buying car insurance for pre-owned vehicles, the agents listed below can probably help you decide which auto insurance coverages would be the best in your situation. To locate a San Antonio car insurance agency closest to you, click the button link following the list.

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