In times of need, we stand by you. We’re here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you’re comparing our quote or policy to another insurer, be sure to understand the value of the coverage you’re considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
We first looked for companies that received an "A-" or better (“strong”) from A.M. Best, a rating agency specifically focused on the insurance industry. Then, because the III recommends getting ratings from more than one agency, the best needed to earn at least an "AA-" (“very strong”) from S&P Global or an "Aa3" (“excellent”) or higher from Moody’s.
We researched 36 of the best auto insurance providers based on their ability to serve customers and actually pay out claims; not just on premium cost. Of course, premiums matter, but since rates depend on many different factors — like your age, driving history, and even your ZIP code — the best way to find the most affordable price on the policy you want is to compare quotes. Use our quote tool above to get started.
At the end of the day, the type of driver you are and how often you drive may play a part in the coverage limits you select. If you drive infrequently, you may be more comfortable with lower or average limits. If you drive at high-risk times or commute back and forth to work, on the other hand, more or better coverage might help you sleep better at night.
Every added coverage will cost you a little more in your premium, though — and Shelter Insurance offers a list of discounts comparable to that of its competitors, with standard options like multi-line, multi-car, and safe driver discounts. It doesn’t have many unique discount options, but it’s still possible that Shelter could offer you a better baseline premium than its competitors. As always, we recommend gathering quotes from multiple providers before making your decision.
It's hard to say. You might see rates change as you age, but they don't always go down, so much as they level out or increase at a lower rate. (Remember, the rules of inflation are in effect.) And that assumes you don't incur any red marks on your driving record. As for a change in marital status, you generally have to contact your insurer to get a rate decrease — and if your spouse has a less-than-stellar driving record, well, again, you mind wind up paying more.
Contrary to popular belief, collector cars aren't just vintage vehicles from Gatsby's era. They can also be modified, limited edition, classic trucks, vintage motorcycles, exotics and even military vehicles. If the car isn't your primary vehicle and you only use it for weekend drives, car shows, and other similar events, then it could be a collector car. More [+]
Whether you live in Dallas, Austin, Houston, or anywhere in the Lone Star State, Elephant Auto Insurance has you covered. Elephant offers affordable auto insurance coverage and many other products to Texas drivers. If you’re looking for the cheapest car insurance, our many discounts can help you save on Texas auto insurance. Get a car insurance quote online or call one of our licensed agents at 1-877-21-TRUNK.
This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).
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