Cheapest Auto Insurance | San Antonio, Texas

 

 

How to find Affordable Car Insurance in San Antonio, TX

San Antonio is Texas’ second most populous city, and one of its most cherished historic destinations. It’s world-famous as the home of the Alamo, but also boasts a strong economy and housing market. Still, San Antonio is also known for something a little less pleasant-its traffic. Before hitting the road, let Cheapest Auto Insurance help you get the auto policy that is perfect for you, your car, and driving needs. A good way to find affordable auto insurance in San Antonio is to have a safe driving record for three years and a good previous insurance history. We have found these are two important factors that auto insurance companies look at when setting their rates. Many things are out of the customer’s hands when it comes to insurance prices but these are two things as a consumer that you can control.

Why Choose Cheapest Auto Insurance?

The Texas Department of Transportation reported more than 46,000 crashes in San Antonio in 2016. These wrecks resulted in 176 fatalities and numerous injuries. Damage from wrecks or other vehicle hazards could lead to thousands of dollars in repair bills, legal challenges and personal injuries. Your car insurance can help you access the money to pay these costs while avoiding high out-of-pocket losses. With coverage, you won’t have to worry about how you’ll come out on top of unexpected mishaps.

Cheap Car Insurance for good drivers in San Antonio

If you are a good driver looking for cheap auto insurance in San Antonio here are a few insurance companies that can help you find the cheap insurance you are looking for:

• Progressive
• Root
• Save Money Car Insurance
• Geico

 

San Antonio is the second most populated city in Texas-right behind Houston. San Antonio is one of the fastest growing cities in all of Texas. It is home of the historic Alamo. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These factors have a huge impact on pricing for San Antonio auto insurance.

Below are a few ways you can combat the higher car insurance rates in San Antonio:

• Safe Driver
• EFT
• Paperless Billing
• Multi car
• Prior Insurance
• Renewal discounts

 

Finding cheap car insurance in San Antonio is important but just as important is finding an auto insurance company that has excellent customer service and a responsive claims department. Customers who have no tickets or accidents in the last three years are among the most rewarded with discounts when it comes to getting affordable auto insurance. To receive a cheap insurance quote in San Antonio click this link and save money today!

How much does auto insurance cost in San Antonio?

Auto insurance rates in San Antonio vary based on several factors and is based up on the coverages that you need. The average liability insurance rate for an adult in San Antonio with no previous insurance coverage is about $68 monthly on an annual premium. Here are a few factors insurance companies look at when setting rates:

• Age
• Driving record
• Insurance history
• Credit score

Not all auto insurance companies use credit as a rating factor. Most nonstandard auto insurance companies do not use credit as a rating factor. A nonstandard car insurance company specializes in providing insurance for customers with a bad driving record and no previous insurance history. Here are a few nonstandard auto insurance companies in San Antonio:

• Venture
• Falcon
• Save Money Car Insurance
• Jubilee

Most of these nonstandard insurance companies offer state minimum limits of liability which is 30/60/25. If you are needing higher limits of liability for instance 50/100/50 it may be in your best interest to request a quote from a Preferred Insurance broker. Here are examples of a few Preferred Insurance companies for you in San Antonio:

• Geico
• State Farm
• Progressive
• Travelers

How to find cheap auto insurance with bad credit
Car insurance quotes in can be closely related to your credit score. Studies have shown that drivers who have better credit scores have a lower likelihood of having claims. That is one of the benefits of getting a quote from Cheapest Auto Insurance. We do not penalize customers for their credit level. We also do not use that as one of our rating factors. When you call us for an auto insurance quote, we will never ask you for your social security number — like many insurance companies will. If your credit score is good, we do have a few great auto insurance companies we partner with that offers big discounts for customers with good credit. Get a quick anonymous quote. The process takes less than 45 seconds. This is truly the world's fastest anonymous quoting system. We can help get you on your way to cheap auto insurance despite bad credit today! Please see below link to read more about how bad credit effects your auto insurance.

Learn more about finding cheap auto insurance rates if you have bad credit. 

How to lower your auto insurance

Taking advantage of all the discounts that are available to you is one of the best ways to lower your insurance rates. It helps to set your billing on EFT and on Paperless billing, this can lower your monthly rate up to 10% in many cases. Some auto insurance companies offer a 7-10% discount for taking a defensive driving course. San Antonio car insurance can add up quickly, so try to take advantage of every possible savings. Also, be sure to shop around at your renewal to make sure your current insurance carrier is still the best fit for you and your family. Try to keep an even number of cars and drivers on your policy. Car insurance companies like this because it appears as that you have disclosed all the people driving your vehicles. Undisclosed drivers cost auto insurance companies millions of dollars each year by having accidents. Insurance companies want to be able to underwrite all drivers driving your vehicle to provide you with the proper rate.

Non owner's insurance in San Antonio

Non owner's insurance is a type of insurance policy for an individual who needs car insurance but does not own a vehicle at the present time. Non owner's insurance is cheaper than standard liability insurance by about 30%. Not all auto insurance carriers in San Antonio offer non owners insurance policies. But here at Cheapest Auto Insurance we can help you find cheap non owners' insurance in San Antonio, here are a few auto insurance brokers we found that offer this coverage:

• Dairyland
• Safeauto
• Cheapest Auto Insurance

 

If you have a suspended driver’s license and you don’t own a car yet but need an SR22 you can purchase a non-owners SR22 policy from several insurance companies in San Antonio, here are a few that we found who offer this regardless if you have a license or not:

 

• Save Money Car Insurance
• Dairyland
• Venture

 

Cheapest Auto Insurance can help you buy insurance whether you own an automobile or not. Even if you don’t have a driver’s license, we can help you get cheap auto insurance in San Antonio. For the cheapest auto insurance quote in San Antonio click here and start saving some big money today!

Click to learn more about finding cheap non owner car insurance. 

How to find full coverage auto insurance in San Antonio

Full coverage insurance rates in San Antonio are on the high side compared to the rest of the state of Texas. Full coverage insurance usually costs about twice as much as liability only insurance. Full coverage insurance is mandatory to have if your vehicle has a lien on it. Most of the auto dealerships in San Antonio require you to carry full coverage insurance before you leave the car lot unless you do not finance the car. Many lienholders will require a $500 deductible before you can leave the car lot. The higher the deductible the lower your monthly insurance premiums are and vice versa with a lower deductible. Here are some insurance companies that provide cheap full coverage insurance in San Antonio:

• Safeway
• Root
• State Farm
• Geico

It is important to know the deductible you need prior to shopping for full coverage insurance. Here are your options of deductibles to choose from:

• $250
• $500
• $1000

 

The deducible is the part of the policy that the customer pays in case of an at fault accident for the damage done to their car. The lower the deductible the higher your monthly prices. Some car insurance companies in San Antonio offer a “vanishing deductible” which is beneficial for the customer because the longer you are with that company, the lower your deductible will be in case of an accident with no effect on your monthly premiums, so this results in less money out of your pocket. This is a very cool feature that has become more and more popular over the past several years. To shop auto insurance quotes for full coverage insurance in San Antonio you can click here and be on your way to cheaper auto insurance today!

Cheap auto insurance quotes in San Antonio, TX

There are several ways to find car insurance quotes in San Antonio. When searching for insurance you will see a large number of advertisements. So here are a few ways you can help find affordable auto insurance in a fast and efficient way.

• Find an auto insurance broker that shops multiple insurance companies on your behalf.
• Find an online quote comparison site that can shop online a large amount of insurance companies.
• Find an insurance company that fits your coverage needs and your current situation.

In many cases an auto insurance broker can provide a lower monthly rate to a customer because they have access to numerous different auto insurance carriers.

This gives them a lot of niche programs that you may not be able to find at a captive insurance company.

Here are a few auto insurance brokers in San Antonio that we found for you:

• The Insurance Guys Brokerage
• Fidelis Insurance Brokers
• VOS Insurance Agency

 

As far as online car insurance quote comparison websites there are several choices for you to choose from. One thing to watch for is some of these sites can sell information to auto insurance brokers which could result in receiving a large number of calls attempting to give you a car insurance quote. So, if you are using one of these websites to search for auto insurance rates be sure you are serious about it because no one ever wants a lot of unnecessary phone calls. Here are some examples of an online quote comparison sites:

• The Zebra
• Everquote
• Smartfinancial

 

How to find affordable auto insurance in San Antonio with a bad driving record?

Finding affordable auto insurance with a bad driving record can be a tough thing to do. We have a few tips to help you achieve this. Try to find an insurance company that is best for your current situation. For example, if you have tickets and accidents you may want to contact a nonstandard auto insurance company. This is an auto insurance broker that works with many insurance companies to find the best rate possible for you. They usually have access to insurance companies that are more forgiving of tickets and claims. Here are a few auto insurance carriers that provide cheap auto insurance for drivers in San Antonio:

• Quantum
• Save Money Car Insurance
• Texas Ranger

When receiving auto insurance quotes be sure to tell the company about all of the tickets and accidents you have in the last three years. Many auto insurance companies do not run your driving record on the quote itself, most companies wait until you are ready to buy the policy then run your driving record after the fact. This is why it is important to disclose your driving record upfront so the insurance quote will be accurate so you don’t have unexpected higher bills in the future.

One month car insurance can be a good policy for someone who has a bad driving record because it offers a more flexible payment plan and not a long-term commitment, this also can be called a “month to month insurance” policy.

Learn how you can find cheap auto insurance rates if you have a bad driving record.  

DUI Auto Insurance

Auto insurance rates after a DUI can get very expensive. It is the violation that carries the heaviest points allowed up to 6 pts for just one incident. To weigh that impact on rates an accident I usually 3-4 pts on high end. Auto Insurance companies feel drivers who have had a DUI history are more prone to large accidents. Usually, an accident involving a drunk driver does serious damage to property and people which costs the insurance companies large amounts of money. Drivers with a DUI pay the highest auto insurance premiums in the market. Some auto insurance carriers will decline coverage to anyone who has had a dui in the last 5 years. Here at Cheapest Auto Insurance, we make sure to find you the cheapest auto insurance quote possible even if you have a DUI on your record. Here are a few auto insurance companies that we found who offer auto insurance after a DUI:

• The General
• Traders
• Safe Auto
• Save Money Car Insurance
• Jupiter

Click here to learn more about finding cheap auto insurance with a DUI. 

Auto Insurance with a Suspended License

Finding cheap auto insurance with a suspended license can be very difficult. Auto insurance is expensive enough with a normal license let alone with a suspended one. A lot of insurance companies surcharge up to 4 points on an auto insurance policy for having a suspended license. This can raise your rates up to 30% on your monthly premiums. Insurance companies also look at the reason why your license is suspended and rate accordingly. Some auto insurance companies will even deny you coverage if your license is currently suspended. We have found nonstandard auto insurance companies are the best fit for drivers with a suspended driver's license. Drivers with a suspended license are considered high risk drivers as far as insurance companies are concerned. Here are a few auto insurance companies we found who offer affordable rates for drivers with a suspended driver's license:

• Save Money Car Insurance
• The General
• Safe Auto
• Venture
• Key

Click here to learn more about finding cheap auto insurance rates with a suspended license. 

How to find cheap liability car insurance in San Antonio?

To find the cheapest liability auto insurance in San Antonio you can request liability only car insurance with 30/60/25 limits of liability which is the minimum in Texas. This policy will only cover the damages done to a third party; it will not cover your vehicle. If you want your auto covered you would need to purchase full coverage car insurance which costs about twice as much on your monthly price compared to liability only. Liability only auto insurance is priced a little higher in San Antonio compared to other areas of Texas. Your age and driving record are a big factor in your insurance quotes for liability coverage. Here are a few options of liability limits that you can choose from in San Antonio:

• 30/60/25
• 50/100/50
• 100/300/100
• 250/500/250

 

Not all car insurance companies in San Antonio offer the higher limits of liability. If you need the higher limits it is best to contact a more preferred insurance company mentioned above. It is important to carry the adequate amount of limits of liability in case you are involved in a claim. Nobody wants to get stuck with a large bill in a claim where you damage a car that costs more than the $25,000 of property damage, which is the lowest offered under the state minimum liability coverage.

Click to learn more about getting cheap liability car insurance

San Antonio Auto Insurance

We do not envision San Antonio auto insurance rates going up or down much in the near future. San Antonio is still an area where many insurance companies want to write more new business consistently. With a few new insurance companies coming in to the market with cheaper auto insurance rates, we expect prices will stay consistent, which is great for the customer. Here at Cheapest Auto Insurance we have several insurance companies that specialize in providing cheap car insurance in San Antonio. We offer flexible monthly payment plans and low-down payment auto insurance. We offer affordable auto insurance rates for the below insurance policies:

• SR22 Insurance
• Non owner's insurance
• Full coverage insurance
• Liability auto insurance

 

The Future of Insurance in San Antonio

Insurance in San Antonio is changing all the time with the new tech companies coming in to the market you can purchase about any type of insurance online. For many years, working directly with an agent face to face was the way to purchase insurance. But we see this changing very soon. Homeowners and commercial insurance are some of the few sectors in insurance that is difficult to do online due to the complexities of the policy coverages. There can be exclusions and endorsements in these policies that for the consumer may be difficult to understand. We feel the future of insurance is a direct-to-consumer model, especially in the younger generations. Face to face may not go away at once but with the large number of new tech companies entering the industry we expect insurance to continue to head in that direction at a fast pace, especially in the auto insurance industry. Auto insurance is much easier to purchase compared to other types of insurance. Many of these tech companies have affordable auto insurance rates but it is yet to be seen how claims are taken care of and can they be profitable on the underwriting part of the business, which can take years to see. Thankfully at Cheapest Auto Insurance we have car insurance companies that allow San Antonio drivers to start their policy online or call us at 210-349-7826 to speak with live insurance agent.

 

Auto insurance Companies in San Antonio

There are a number of car insurance companies in San Antonio to select from. When searching for an insurance company that fits your needs, it is smart to read reviews from customers first. Firsthand knowledge is a good way to see how the insurance company is taking care of their customers. Most insurance companies in San Antonio are holding rates steady and some are even lowering prices or giving customer rebates back due to the Covid-19 situation. As long as there are no more major CAT losses rates should hold steady. But if tornadoes or severe hail storms hit hard that definitely could raise auto insurance rates in San Antonio and throughout Texas.

 

Importance of doing an annual auto insurance check up

Our lives are ever changing and so is our coverage needs for our auto insurance policies. It is important to contact your insurance company or auto insurance broker on an annual basis to go over your policy. Here are a few things to mention to your company or broker to make sure you are still covered correctly:

• Make sure you have all the discounts you qualify for on your policy and do they suggest any more discounts you should look at.
• If you just bought a home you should consider bundling that with your auto insurance policy for a multi policy discount.
• If you have gone from liability to full coverage recently be sure to go over with them what all is on your full coverage policy.
• Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing are just to name a few.

Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!

Learn how to find cheap auto insurance rates! 

New to Cheapest Auto Insurance?

Here at Cheapest Auto Insurance we want to be sure that all your insurance needs are met. We make it quick and simple for you to get a quote whatever your current situation is. Whether you need basic liability auto insurance, full coverage, or maybe you don't have an active Texas driver's license we have insurance professionals who are ready to help you get what you need call us at 210-349-7826 to get a free quote or to get a quote online click here!

E-Sign Accepted Here

We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.

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