Laredo, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Laredo, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
How to Save on Car Insurance in Laredo, TX
The average cost of auto insurance in Laredo, TX, is $1,414. This cost is much lower than that of neighboring places such as San Carlos II, Los Altos, and Tanquesitos South Acres II. The cost of auto insurance depends on numerous factors ranging from the make and model of the car to the age of the driver. It is essential to compare multiple quotes before arriving at the one that best suits one’s coverage needs. The cost of auto insurance can also vary from one neighborhood to another. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes in Laredo.
Deductibles:
Deductibles are one of the most common factors affecting the cost of auto insurance. Opting for a higher deductible will help in improving savings. For instance, in Laredo, the cost of auto insurance for a higher deductible ($1,000) is $1,257, while it is $1,488 for a low deductible ($500).
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.
Driving Record:
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
Driving violations can lead to a massive increase in the cost of auto insurance and can also have a long-term impact on insurance rates. For instance, post-DUI, the cost of auto insurance in Laredo, TX, goes up to $2,201. Other violations that can prove to be expensive include driving with an expired/suspended license, speeding, and driving a vehicle without the required permission. These violations lead to an increase of $953, $346, and $440 respectively. Being a good driver can ultimately help in reducing the cost of auto insurance.
Factors that can influence the cost of car insurance in Laredo, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Laredo, TX Auto Insurance Rates
- Laredo, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Laredo, TX
- Multi Vehicle Insurance Savings in Laredo, TX
- How Credit Score Affects Car Insurance Rates in Laredo, TX
- How DUI Affects Auto Insurance Premiums in Laredo, TX
- Top Auto Insurance Agents Near Laredo, TX
- How Driving Violations Affect Auto Insurance Rates in Laredo, TX
- Laredo, TX Auto Insurance Discounts on Anti Theft Feature
- Laredo, TX Auto Insurance Company Reviews
Laredo, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Laredo, TX with that of other cities in and around Laredo.
| Laredo | Tanquecitos South Acres | San Carlos II | Los Altos | Tanquecitos South Acres II | Laredo Ranchettes West | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,414 | $1,959 | $1,836 | $1,863 | $1,881 | $1,809 |
Laredo, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Laredo, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Laredo | $1,488 | $1,257 |
| Los Altos | $1,910 | $1,613 |
| Tanquecitos South Acres II | $1,928 | $1,629 |
| Tanquecitos South Acres | $942 | $796 |
| Los Corralitos | $1,900 | $1,605 |
| San Carlos I | $1,919 | $1,621 |
| Laredo Ranchettes West | $1,863 | $1,574 |
| San Carlos II | $1,891 | $1,597 |
Laredo, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Laredo, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,588 |
| 20 Years | $1,817 |
| 30 Years | $1,399 |
| 40 Years | $1,346 |
| 50 Years | $1,247 |
| 60 Years | $1,264 |
| 70 Years | $1,472 |
Laredo, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Laredo, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,460 | $368 |
| 3 Vehicles | $3,691 | $551 |
| 4 Vehicles | $4,921 | $735 |
Savings on 2 Vehicles bundle:$368
Savings on 3 Vehicles bundle:$551
Savings on 4 Vehicles bundle:$735
Laredo, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Laredo, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Laredo | $1,414 | $2,201 |
| Los Altos | $1,863 | $2,900 |
| Tanquecitos South Acres II | $1,881 | $2,928 |
| Tanquecitos South Acres | $1,959 | $3,050 |
| Los Corralitos | $1,845 | $2,872 |
| San Carlos I | $1,863 | $2,900 |
| Laredo Ranchettes West | $1,809 | $2,816 |
| San Carlos II | $1,836 | $2,858 |
Laredo, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,213 |
| Excellent (740-799) | $1,385 |
| Good (670-739) | $1,473 |
| Average (580-669) | $1,922 |
| Poor (300-579) | $2,306 |
Laredo, TX Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Kevin Romo | State Farm | 7917 McPherson Rd Ste 208, Laredo, 78045-2812 | 956-753-9337 |
| Herman Dominguez | State Farm | 3120 N Arkansas Ave, Laredo, 78043-1644 | 956-726-0493 |
| Pena Insurance Agency | Travelers | 220 W HILLSIDE RD LOT 11, LAREDO, 78041 | 956-724-9004 |
| Henri D Kahn Insurance Service Llc | Travelers | 112 DEL COURT STE B, LAREDO, 78041 | 956-725-3936 |
| Larry Jones | Nationwide | 6019 McPherson Rd STE 6, Laredo, 78041-6111 | (956) 717-5770 |
| Cavazos Insurance Agency | Travelers | 2107 SAN BERNARDO AVE, LAREDO, 78040 | 956-723-4623 |
| Safeguard Insurance Agency | None | 104. E. Calton Rd Ste 101, Laredo, 78041 | None |
| Cubriel Ins Agency Llc | Travelers | 6010 MCPHERSON RD UNIT D2, LAREDO, 78041 | 956-568-5290 |
| Alphasure Affordable Insurance Services | None | 1620 Chihuahua St, Laredo, 78043 | None |
| Kike Trevino | State Farm | 517 Shiloh Dr, Laredo, 78045-6722 | 956-791-5453 |
Laredo, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,476 |
| Driver's Failure In Showing Documents | +$137 | $1,551 |
| Driving With An Expired Registration | +$146 | $1,560 |
| Driving At A Considerably Slow Pace | +$307 | $1,721 |
| Using A Cellphone While Driving | +$324 | $1,738 |
| Running A Red Light | +$329 | $1,743 |
| Speeding | +$346 | $1,760 |
| Driving A Vehicle Without The Required Permission | +$440 | $1,854 |
| Driving With An Expired/Suspended License | +$953 | $2,367 |
Laredo, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,357 |
| Active Disabling Device | $1,357 |
| Tracking Device | $1,329 |
| Passive Disabling Device | $1,315 |
Latest Auto Insurance Reviews in Laredo, TX | Back to Top
GeicoI have liability and state minimum only no deductible for me! Ha! The joke is on them this time. I refuse to pay to fix and old junker car. Go buy another one off some ad and save big I say!
State FarmState Farm offers any number of coverage options to suit your needs as any insured driver. Whether you need to keep your premium in line with your budget or you need full coverage options.
The HartfordI have been with them for 13 years and decided to purchase with them when I bought a hybrid car and their annual premiums were about $400 less than all the other companies.
State FarmI would recommend State Farm for all of your insurance needs as when all of your needs are met, you will be satisfied with your coverage and the price paid for security and piece of mind.
UsaaI also use USAA for my car insurance and just recently had a claim with them. They were incredibly easy to work with, both online and over the phone, took care of all the inspection details.
Farm BureauI would recommend Farm Bureau because they have great prices and great customer service, I've not had any issues with them.
ProgressiveI love my car insurance.They take the time to go over every option and discount and value my dedication.They offer discounts for coverage and make sure that I am getting the most affordable options
AllstateI am not very sure of what others offer. I have been at the same agent since I started driving 25 years ago and have no interest in changing.
National Generalwe did a lot of research, and National General's monthly premiums are fairly low compared to other providers. Especially GEICO.
State FarmThey offer a great package for auto coverage, with speedy rental cars that are paid for by them while your car is being fixed and they give customers the satisfaction of knowing they are in the background working hard to insure everything gets back to normal as fast as possible.
State FarmThey offer a great package for auto coverage, with speedy rental cars that are paid for by them while your car is being fixed and they give customers the satisfaction of knowing they are in the background working hard to insure everything gets back to normal as fast as possible.
GeicoI am completely satisfied with Geico insurance, they were easy to sign up for with minimal paperwork compared to other insurers and were about $250 less per month than I was previously paying. I like that they send alerts easily over text and keep me updated on claims as they are processed. They have courteous people who answer their calls and they don't make you call 3 different people to try to answer your question, which I have had issues with previous insurers in the past.
GeicoI've found that GEICO has been very accessible in terms of their customer support. I can do some things online if I choose, but I always can get a very helpful customer service representative on the phone.
GeicoI can't think of anything I dislike about this company . I honestly have nothing negative to say . I like them
UsaaUSAA offers a lot of options and discount opportunities for auto insurance. When I've needed to make a claim, they send someone promptly and take care of arranging a rental car for me immediately.
AllstateI am very happy with the prices I pay and the extras that I get for having a clean driving record. I also love the accident forgiveness that I receive.
AaaOnly thing I have to complain about is finding the right person for customer service. They have so many different departments, it can be confusing. However, they usually transfer me to the correct person, so it's not that much of an issue.
ProgressiveI dont think that there is anything special about any company. they are all out to make money and dont care about customers.
AllstateCustomer support is always available and friendly. The one time I had to use roadside assistance they were super helpful and stayed on the line until help arrived.
MetlifeThey have increased my rates each of the last 3 years. However so have all the other local insurance companies. But I wish they would keep my rates lower.