The words “affordable” and “insurance” probably shouldn’t be used together, in particular when shopping around for the best coverage prices for welfare recipients. In an attempt to save some money, let’s teach you a few of the factors that have an effect on insurance premiums, and figure out some ways to take a little off your next policy.
The vehicle you are trying to insure is a large consideration when comparing the most economical insurance for welfare recipients. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.
The information below showcases coverage prices for the cheaper vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $979 |
| Ford Edge SEL 2WD | $1,136 |
| Chevrolet Equinox LT 2WD | $1,159 |
| Ford F-150 Lariat Super Cab 4WD | $1,181 |
| Ford Focus SEL 4-Dr Sedan | $1,195 |
| Honda Accord LX 4-Dr Sedan | $1,199 |
| Ford Escape XLT 4WD | $1,226 |
| Toyota Prius | $1,240 |
| GMC Sierra Denali Crew Cab 4WD | $1,323 |
| Kia Optima SX | $1,325 |
| Nissan Altima 2.5 4-Dr Sedan | $1,327 |
| Ford Explorer XLT 2WD | $1,343 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,350 |
| Dodge Grand Caravan Crew | $1,352 |
| Toyota Tacoma 2WD | $1,393 |
| Honda Odyssey EX W/Rear Entertainment | $1,402 |
| Chevrolet Impala LS | $1,393 |
| Toyota Corolla S | $1,397 |
| Hyundai Elantra SE 4-Dr Sedan | $1,404 |
| Chevrolet Malibu LS | $1,419 |
| Find Cheaper Rates Go | |
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in garaging location in San Antonio, TX which can revise prices considerably.
Based upon the rates shown, cars like the Honda CR-V, Ford Edge, Chevrolet Equinox, and Ford F-150 should be a few of the most budget-friendly vehicles to insure for drivers on welfare.
Finding good, cheap auto insurance is not the easiest thing to accomplish, and deciding which insurers offer the most affordable insurance rates for welfare recipients requires more quotes for comparison.
Each auto insurance company uses their own formula for setting rates, so let’s take a look at the most budget-friendly insurance companies in San Antonio, TX. It’s important that readers know that Texas insurance rates are calculated based on many things that may substantially change the cost of a policy. This price fluctuation is why drivers need to compare as many rates as possible when trying to get the most affordable insurance rates for welfare recipients. Insurance prices are impacted by many things and change substantially, so the cheapest company the last time you compared rates may now be one of the higher cost companies.
Best Insurance Companies in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Germania Mutual | $1,244 |
| 4 | Texas Farm Bureau | $1,247 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,650 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,241 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,568 |
| Compare Rates Now Go | ||
Travelers generally has some of the cheapest car insurance rates in San Antonio at around $1,021 each year. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also rank well as some of the cheapest San Antonio, TX insurance companies.
In this example, if you buy coverage from USAA and switched to Travelers, you could realize annual savings of around $107. Policyholders with Germania Mutual could save as much as $223 a year, and Texas Farm Bureau insureds might reduce prices by as much as $226 a year.
To get a fast rate comparison, click here to start your free quote or click through to the companies below.
Bear in mind that those premiums are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location for welfare recipients. So the insurer that fits your needs best may not even be in the list above. That point stresses why you need to get rate quotes using your own driver information and specific vehicle type.
Reckless driving habits raise insurance rates
The easiest way to maintain the cheapest insurance premiums in San Antonio for drivers on welfare is to drive carefully and avoid accidents and keep your driving record clean. The diagram below illustrates how speeding tickets and at-fault collisions can affect insurance costs for different age categories. Data assumes a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the chart above, the average cost of car insurance per year with no accidents or violations is $2,035. Get two speeding tickets and the average cost swells to $2,805, an increase of $771 each year. Now include one accident along with the two speeding tickets and the annual cost of insurance for welfare recipients increases to an average of $3,596. That’s an increase of $1,561, or $130 per month, just for not driving responsibly!
Choosing the best auto insurance provider can be rather challenging considering how many choices you have in Texas. The ranking data displayed below can help you select which auto insurance companies you want to consider when comparing rate quotes.
These ratings only include the largest companies in the United States, so companies that focus mainly on Texas business are not factored into this list. To compare rates from the insurers below and more, simply click here.
Top 10 Large Auto Insurance Providers Overall in San Antonio
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
The San Antonio, TX, insurance agents below can probably answer your questions and help you decide which insurance coverage will be best for you, since many people would rather have a little guidance when shopping for the best coverage for welfare recipients. It can be hard to find the cheapest rate yourself, and using a licensed agent can provide satisfaction knowing you have adequate coverage if you have an accident or claim. To find an auto insurance agency closest to you, click the button at the bottom.
Kellie Moore – State Farm Insurance Agent
10103 TX-1604 Loop #102 – San Antonio, TX 78254 – (210) 688-7707
Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935
Luis Corral – State Farm Insurance Agent
4416 Ramsgate St #101 – San Antonio, TX 78230 – (210) 696-6324
View map of San Antonio, TX insurance agents
How to find low-cost car insurance for welfare recipients
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help San Antonio drivers get low-cost coverage.
- Good credit can mean cheaper rates
- At-fault accidents will increase rates
- Keep your driving record clean
- Drive safe vehicles
- Raise your physical damage coverage deductibles
- Shop your coverage around for the best deal
The final tip is certainly significant, as was affirmed in the prior article. Coverage prices vary considerably, so don’t be hesitant to buy from a new company if a better rate can be found. Having a favorite company is fine, but it isn’t a good idea if that inflexibility results in costing you a small fortune. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for welfare recipients in San Antonio.