Who Has Cheap Car Insurance Quotes for High School Students in Texas?

The words “affordable” and “insurance” really don’t belong together, specifically when searching for the best insurance rates for high school students. Because of the high cost, let’s open your eyes to some of the factors that influence car insurance premiums, and find some ways to take the sting out of the next policy you buy.

Deciphering which companies have the cheapest insurance rates for high school students involves a tad more effort than just quoting one company’s rates. Every car insurance company has their own formula for determining rates, so let’s look at the rankings for the lowest cost insurance companies in Texas.

It’s a good idea to be aware that Texas insurance rates are influenced by many factors that will increase or decrease your annual premium. Simply getting older, getting married, or having an accident can cause premium changes resulting in some rates now being affordable when they were higher priced.

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google.charts.setOnLoadCallback(drawTXT5qcibChart);function drawTXT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Travelers’, 1052, ‘#67CF33’], [‘USAA’, 1095, ‘#55AC2A’], [‘Texas Farm Bureau’, 1199, ‘#468F23’], [‘Germania Mutual’, 1294, ‘#3A771D’], [‘Esurance’, 1365, ‘#306318’]]);var options = {title: ‘Low-Priced Car Insurance Companies in Texas’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1465,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Travelers generally has some of the lowest car insurance rates in Texas at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable Texas car insurance companies.

As shown above, if you are a customer of Germania Mutual and switched to USAA, you could see savings of in the vicinity of $199. Policyholders with Esurance could save as much as $270 a year, and California Casualty policyholders might reduce rates by $301 a year.

It’s important to note that these policy prices are averages across all types of insureds and vehicles and do not take into consideration a price surcharge for high school students. So the company that has the cheapest rates for you may not even be in the rate chart shown above. That affirms the importance of why you need to get rate quotes using your own driver and vehicle profiles.

For teenagers, one of the big components that auto insurance companies use when figuring the policy price is where you choose to live. Cities with larger populations or higher claim trends like McAllen, Dallas, and Laredo will most likely have higher rates, whereas areas with less people or fewer weather incidents generally pay less for auto insurance.

The table below rates the most expensive areas in Texas for high school students in which to buy car insurance.

Table data uses approximated as zip code location can revise coverage rates greatly.

The diagram below shows how choosing a deductible can affect insurance premiums when searching for cheap insurance for high school students. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2403,2205,1977,1757],[‘Age 30’, 1685,1541,1373,1211],[‘Age 40’, 1665,1525,1363,1209],[‘Age 50’, 1459,1339,1199,1065],[‘Age 60’, 1391,1275,1141,1011],[‘Age 70’, 1491,1367,1227,1097]]);var options = {title: ‘Impact of Higher Deductibles on Insurance Premiums in Texas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

A 30-year-old driver could cut expenses by $302 a year by changing from a $100 deductible to a $500 deductible, or save $456 by selecting a $1,000 deductible. Young drivers, like the Age 20 chart data, could shave $646 or more by selecting a higher deductible.

When choosing a higher deductible, it is necessary to have spare funds to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

How to find cheap auto insurance for high school students in Texas

The list below details some penny-pinching suggestions that can help Texas drivers buy cheap auto insurance.

• Avoid filing excessive claims
• Bundle home and auto and save
• Having at-fault accidents will increase rates
• Do not get tickets
• Improve your credit score
• Raise deductibles
• Compare prices as often as possible

That last idea is remarkably crucial, as was stressed in this piece. Prices charged by car insurance companies vary greatly, so you should be ready to change to a new company if you can save money.

Brand loyalty is not necessarily bad, but it’s not a great idea if that loyalty ends up costing thousands of dollars over several years. In less than five minutes you could compare rates to find cheaper car insurance for high school students.