Wouldn’t it be great if we could tell you that one perfect company that has the cheapest insurance for low mileage drivers? Regrettably, it’s not quite that easy, as there are a ton of unknowns such as what liability limits you need, if you own or rent your home, and if you are married. We will touch on the best ways to save on auto insurance and will hopefully give the reader a good start in finding the cheapest insurance in Texas.
One of the many components that determine the price you pay for insurance is where you normally keep your vehicle. Areas with high crime rates or more dense population will most likely have higher rates, whereas less populated areas have the gratification of cheaper auto insurance rates.
The table below ranks the highest-priced areas in Texas for low mileage drivers to purchase car insurance in. San Antonio comes in at #14 having an annual price of $1,671 for the average policyholder, which is around $139 monthly.
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Rate quotes are approximated as specific San Antonio garaging address can revise premiums considerably.
The vehicle model that is being insured is one of the largest considerations when comparing the best car insurance for low mileage drivers. Vehicles with lower acceleration and performance, a great safety record, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.
The next table illustrates car insurance premiums for the most budget-friendly automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$944|
|Hyundai Elantra SE Touring Station Wagon||$1,024|
|Ford Edge SEL 2WD||$1,094|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,101|
|Chevrolet Malibu Hybrid||$1,116|
|Ford Explorer Limited 2WD||$1,136|
|Ford Escape Limited 2WD||$1,189|
|Chevrolet Equinox LTZ 2WD||$1,193|
|Jeep Grand Cherokee Limited 4WD||$1,202|
|Toyota Tacoma 4WD||$1,213|
|Honda Accord EX 2-Dr Coupe||$1,255|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,271|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,275|
|Toyota Camry Hybrid||$1,284|
|Kia Optima EX||$1,275|
|Toyota RAV4 4WD||$1,282|
|Honda Odyssey EX-L W/Navigation||$1,348|
|Nissan Rogue S 2WD||$1,374|
|Ford F-150 Lariat King Ranch 4WD||$1,396|
|Dodge Grand Caravan SXT||$1,399|
|Ford Fusion Hybrid 4-Dr Sedan||$1,410|
|Ford Focus SEL 4-Dr Sedan||$1,416|
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in specific zip code location which can change coverage rates substantially.
By looking at the data, models like the Honda CR-V, Hyundai Elantra, Ford Edge, and Volkswagen Jetta will be a few of the most economical vehicles to insure for infrequent drivers.
The information below highlights how deductible selection can increase or decrease annual premium costs when getting quotes for cheap insurance for low mileage drivers. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 40-year-old driver could save $422 a year by changing from a $100 deductible up to a $500 deductible, or save $634 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old example, could potentially save up to $1,074 or even more by using higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it is important to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discounts on San Antonio auto insurance rates
Insurance providers that offer quotes for low mileage drivers may additionally offer discounts that could lower prices by 30% or more if you are eligible. Popular insurance companies and some of their more popular discounts can be read below.
- Progressive may include discounts for continuous coverage, online signing, online quote discount, multi-vehicle, multi-policy, and homeowner.
- MetLife may offer discounts for claim-free, accident-free, good driver, defensive driver, and good student.
- Mercury Insurance has savings for multi-car, anti-theft, multi-policy, type of vehicle, and good driver.
- Nationwide offers premium reductions for easy pay, defensive driving, Farm Bureau membership, family plan, anti-theft, multi-policy, and accident-free.
- GEICO offers discounts for defensive driver, federal employee, multi-vehicle, multi-policy, membership and employees, anti-theft, and anti-lock brakes.
- AAA has discounts for good student, multi-policy, multi-car, AAA membership discount, and education and occupation.
The chart below visualizes the comparison of yearly insurance costs with and without discounts applied. The prices are based on a female driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, homeowner, claim-free, marriage, vehicle safety, and safe-driver discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for low mileage drivers is 28% or $633.
Compare quotes and save
San Antonio insurance rates are influenced by many factors which can substantially change the price of coverage. Improving your credit rating, getting divorced, or getting a reckless driving citation can produce rate changes that can now make some companies much cheaper than others.
Additionally, companies amend pricing at least once a year to help ensure profitability. A period of increased losses may result in rate increases, while lower claim levels can cause cheaper San Antonio car insurance rates.
The graph below shows the company with the cheapest car insurance in San Antonio, TX for a 35-year-old male driver with a clear driving record, no claims, and solid credit. When comparing rates based on his current rating profile, Travelers may offer the best car insurance rates in San Antonio at $1,160 a year. This is $744 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the best San Antonio, TX auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a chargeable claim, bad credit, and a few blemishes on his driving record. Due to the fact that every insurance company has a proprietary method to set their prices, comparing prices may now present a significantly different list of the cheapest companies as shown below.
State Farm now has the lowest price in San Antonio, TX with Mercury, Nationwide, USAA, and Safe Auto completing the list. This illustrates why consumers need to take the time to compare many different companies when trying to find the most affordable insurance quotes for low mileage drivers.
Insurance prices can be altered by many factors and can decrease or increase without notice, so the cheapest rate when you bought your policy may now be one of the more expensive options.
How to find economical auto insurance for low mileage drivers
Here are many thrifty solutions that can help San Antonio drivers get lower-cost car insurance.
- Do not file small claims
- Increase your credit score
- Avoid having at-fault accidents
- Get cheaper liability coverage by choosing a safer vehicle
- Avoid getting citations and tickets
- Shop around for cheaper prices
That last idea is extremely significant, as was stressed in the prior information. Car insurance rates go up and down frequently, so don’t be unwilling to change insurance companies if you find a better deal. Staying with the same company for years is fine, but it’s not recommended if that inflexibility results in costing you a small fortune. In just a few minutes you could compare rates to find cheaper car insurance for low mileage drivers in San Antonio.
If you prefer to get help from a professional when trying to find the best insurance rates for low mileage drivers, the insurance agencies listed below can help you make a decision which coverages and limits you need. To locate an agency near you, click the button following the list or click here to get price quotes now.
- Norma Lopez Petre – State Farm Insurance Agent
3227 SW Military Dr #103 – San Antonio, TX 78211 – (210) 928-3276
- Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133
- Jeff Ellis – State Farm Insurance Agent
16350 Blanco Rd #115 – San Antonio, TX 78232 – (210) 641-7711
- Allan Meyer – State Farm Insurance Agent
10130 San Pedro Ave #103 – San Antonio, TX 78216 – (210) 349-1317
- Robert Tijerina – State Farm Insurance Agent
8802 Potranco Rd Ste 105 – San Antonio, TX 78251 – (210) 684-3800