Who Has the Cheapest Auto Insurance Quotes for Welfare Recipients in Texas?

One of the many factors that is looked at to help calculate insurance cost is where your residence is. Areas with more people or higher crime rates like McAllen, Laredo, and Dallas tend to have higher rates, whereas areas with less traffic congestion and claims tend to receive cheaper rates.

The table below shows the most expensive cities in Texas for welfare recipients in which to buy car insurance.

Information shown are approximated as vehicle location can change prices greatly.

The cost and performance of the vehicle that is being insured is probably the most important factor when quoting the cheapest car insurance for welfare recipients in Texas. Vehicles with reasonable performance levels, an excellent safety record, or low incidents of liability claims will cost much less to insure than higher performance models.

The lists below outlines coverage premiums for a number of the most budget-friendly vehicles to buy insurance for.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in zip code location which can change premium rates noticeably.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can lower or raise premium rates noticeably.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in garaging location in Texas which can modify auto insurance rates noticeably.

Determining which companies quote the cheapest insurance rates for welfare recipients will involve a bit more effort than just picking a company at random. Every car insurance company uses different criteria to set policy rates, so we’ll go over the insurance companies that tend to be cheaper in Texas.

Keep in mind that Texas insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Simply improving your credit, buying higher coverage limits, or getting a ticket for careless driving may prompt premium changes that can now make some companies more affordable than the competition.

Find the Cheapest Auto Insurance in Texas

Start Your Free Quote

Travelers generally has some of the most affordable car insurance rates in Texas at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Texas auto insurance companies.

In the above rates, if you currently buy coverage from Germania Mutual and switched to USAA, you might see a yearly price reduction of around $198. Policyholders with Esurance might save as much as $295 a year, and California Casualty customers might reduce rates by $340 a year.

Bear in mind that those prices are averages across all drivers and vehicles in Texas and and are not figured with a price decrease for welfare recipients. So the car insurance company that is most affordable for your situation may not even be shown in the above list. That point stresses why you need to compare as many prices as possible using your own personal information and vehicle type.

Impact of violations and accidents on rates

The best way to enjoy low insurance rates for drivers on welfare is to be an attentive driver and avoid at-fault accidents and violations. The diagram below shows how violations and at-fault accidents can increase auto insurance rates for different ages of insureds. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1903,2453,3015],[‘Age 30’, 1315,1869,2429],[‘Age 40’, 1311,1863,2423],[‘Age 50’, 1155,1705,2267],[‘Age 60’, 1097,1651,2211],[‘Age 70’, 1187,1741,2303]]);var options = {title: ‘Effect of Tickets and Claims on Texas Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $1,328. Add in two speeding tickets and the average cost jumps to $1,880, an increase of $552 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for welfare recipients goes up to an average of $2,441. That’s an increase of $1,113, or $93 per month, just for not keeping your driving record clean!

Get discount Texas car insurance

Auto insurance companies that offer the cheapest car insurance for welfare recipients in Texas may also provide discounts that may potentially lower prices by as much as 35% or more if you qualify. The best insurance companies and the discounts they provide are:

The illustration below illustrates the comparison of car insurance costs with and without discounts applied. The rates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, multiple vehicle, anti-theft, accident-free, multiple policy, and homeowner discounts applied. When these discounts are applied to the policy premium, the the average amount saved on insurance for welfare recipients is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4107,2945],[‘Age 30’, 2121,1535],[‘Age 40’, 2089,1507],[‘Age 50’, 1907,1377],[‘Age 60’, 1849,1337],[‘Age 70’, 2287,1643]]);var options = {title: ‘Insurance Premium Comparison for Welfare Recipients’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Best cheap insurance quotes for drivers on welfare

Drivers have many ways to get affordable insurance quotes in Texas, but the most prevalent are either through a captive (or exclusive) agency such as Allstate or Liberty Mutual, an independent agent, or direct either online or via phone.

They all have the same end result, but they are slightly different in how they price policies.

Independent insurance agencies write business for many companies and can provide price quotes from every one. Agents of this type have the freedom to give you more rate choices, which can help you get a better chance of finding cheaper coverage. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies.

A captive or exclusive agent is contracted to one insurance company, two examples are an Allstate or Liberty Mutual agent. Exclusive agencies are unable to compare rates from other companies, so they are skilled at selling on more than just price.

Buying direct means you do not use an independent or exclusive agent and instead shop from a direct company like Esurance or Geico. This insurance option is good for drivers who do not need advice for asset protection and know what is covered and what is not.

Out of those three methods, which one works best to find the cheapest car insurance for welfare recipients in Texas? We wish we could say buying direct saves the most money because you bypass the middleman, but that generally is not the case. We could also say that going through an independent agent guarantees the best prices since they have more companies to choose from, but that is not accurate either. In a lot of cases, the exclusive agents have very competitive rates that are impossible to beat.

Since insurance companies use so many rating factors, the best method to get rock-bottom rates is to obtain price quotes and compare them. It’s recommended that drivers get prices from all three types to have the best selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.

Tips to find more affordable car insurance for welfare recipients

Lowering your rates is not difficult, and here are some of the recommended money-saving solutions that can help you find the cheapest auto insurance.

• Buying home and auto together can help save money
• Drop full coverage on older vehicles
• Pay cheaper rates with good credit scores
• Safe vehicles generally have lower rates
• Avoid accidents and claims
• Shop around once a year for cheaper rates

The last tip is certainly valuable, as we emphasized in this piece. Insurance prices can be changed at any time, so don’t be hesitant to buy from a new company if a cheaper rate is available.

Brand loyalty is not necessarily bad, but it’s not recommended if that dedication is costing major coinage every year. Spend a few minutes and compare prices and find cheaper car insurance for welfare recipients.