Cheap Auto Insurance in Baytown, Texas

Are you looking for new ways to save money in 2020? Do you live in and need to get cheaper auto insurance Baytown, Texas? With the help of this website and taking advantage of proven money-saving tips, you can lower your premiums and save hundreds on quality coverage. By using an online marketplace that matches consumers with providers, many people can $500 and more per year on their car insurance in Baytown TX. One of the best ways to save is to compare 10 or more quotes, from regional and national carriers. In less than 5 minutes, you can see what insurer has the best rates for the coverage you need. Enter your zip code to get started.

Comparing low-cost car insurance rates in Baytown, Texas has never been so easy. There are many benefits to shopping online for automobile insurance. You can get detailed quotes for the amount of coverage and the length of the policy you need. It’s easy to compare plans and rates online without buying a policy or feeling pressure from agents. A normal online quote only takes about 5 minutes to complete, and many shoppers have lowered their premiums by 20% or more. Start saving both time and money and get covered with a direct insurance policy online. Start your auto insurance Baytown quote and see how much you can save.

Baytown, TX Car Insurance Rates

Auto insurance Baytown cost depends on numerous factors, some of which you cannot control. These include:

• The automobile you drive
• Age and Gender of the Driver
• Where you live
• Homeowner or Renter
• Single or Married
• Driving Record
• Credit Score

You might pay more or less than the average automobile insurance premiums in Baytown. Keep in mind, rates are not set by city or government agencies. Premiums are set by individual providers, based on their own risk criteria. This is why it’s so important to compare as many quotes as possible.

One important pricing factor is where you live. Insurers will look at data in your area, from auto thefts to accident rates, to determine a person’s risk. On a personal level, there are things you can control to get lower rates. This includes eliminating any outstanding tickets on your driving profile and keeping a credit score above 700. Other ways to lower your auto insurance Baytown, TX include:

• Raise your deductible to $1,000
• Drive a used car worth less than $6,000
• Stay accident-free
• Combine your home and auto insurance onto 1 policy
• Take a defensive driving class

While the average insurance premiums in Baytown might be more than you want to pay, you can likely still find quality insurance coverage at a lower price with a little due diligence. Comparison shopping and getting several insurance quotes are easier than ever. Sites like this are a risk-free way to compare rates before committing to buying a policy.

Baytown, Texas Car Insurance Requirements

Like all states, Texas has certain minimum auto insurance requirements drivers must abide by. Motorists must have the minimum Texas liability insurance to legally drive. You should also be aware that the state of Texas uses a tort system. This means if a person is in an accident, then both the person and his or her insurance provider are responsible for the resulting damages and costs. The tort system differs from state to state.

Under Texas state law, the minimum liability car insurance requirements in Baytown are:

$30000 – Bodily Injury Liability Protection – per person per accident
$60000 – Total liability limits for Bodily Injuries in an accident
$25000 – Property Damage Liability Protection per accident

Baytown, Texas SR22 Requirements

An SR-22 form is a certificate that some motorists are required to carry to prove that they are financially responsible and that they currently have the necessary car insurance to legally drive an automobile. Although it’s often referred to as SR22 insurance, you should know it’s not an insurance policy. It is a document that demonstrates that the driver has the required legal insurance. Insurance providers do issue this form, but it is not an insurance card. A car insurance provider will fill out your Baytown TX SR-22 insurance form. After that, they will send it to you and the Texas Department of Motor Vehicles to prove you carry the proper coverage. The SR22 form is mainly designed for motorists who need to restore a suspended driver’s license.

Who Has To Carry SR22 Car Insurance in Texas?

There are several causes for drivers to file an SR22 form. For those with very serious traffic violations on their record, this document is almost always mandatory. Drivers who do not own an automobile but whose driver’s licenses have been suspended, will be required to have an SR22 form to restore the license, particularly a non-owner SR22.

A Baytown TX SR-22 form can be required for several reasons. Incidents that result in an SR-22 requirement can include:

• DUI or DWI (or other alcohol-related)
• Reckless driving convictions
• You had an accident and could not prove financial responsibility or demonstrate proof of auto insurance
• You have committed multiple traffic violations or receive a large number of fines in a short time
• You have been convicted of several traffic offenses that result in a suspension of your driver’s license

You’ll have to meet your Texas state minimum auto insurance liability requirements in order to be given an SR-22. As much as you carry your proof of insurance when you drive, you will also have to carry your SR-22 from the instant you have your form, usually for about 3 years.

Baytown, Texas Auto Insurance Coverage

Even a small crash could cause serious expenses, like major vehicle repairs or ongoing medical costs. In such cases, automobile insurance will prevent you from paying all the bills out of your pocket. It’s easy to exceed the minimum coverage levels after an accident. This is why it makes sense to purchase more than the minimum coverage, so you stay protected.

Minimum car insurance coverage does not include comprehensive or collision protection. This can leave you under-insured. Collision insurance will protect your automobile from any damage it suffers after a crash. While driving your vehicle, or even if it’s parked, it can be damaged, stolen, or be subject to many other situations. In these instances, comprehensive insurance will help pay for unexpected damages, not related to an accident with another automobile. This includes things like flooding, fire or theft. This is why optional insurance policies, like comprehensive and collision coverage, are available for you on this website.

Car Insurance Zip Code in Baytown, Texas

Your Best Option To Get Car Insurance In Baytown

We offer the best auto insurance Baytown, TX so you don’t spend more than you need to on auto insurance. Are you looking for cheap car insurance in Baytown, Texas? Here, you can always find options that will cover your vehicle insurance needs, while also getting valuable tips that can save you more. Don’t waste your time calling agents and brokers. Get a free direct quote and save hundreds online. Just enter your zip code and fill out a quick quote form in five minutes. Choose the coverage you need and then compare the lowest rates in your area.

Insurance Companies and Agents in Baytown, Texas

Farmers Insurance Group
10425 Eagle Drive
Baytown, Texas 77523
Phone: (281) 576-6036

Farmers Insurance Group
9122 North Highway 146
Baytown, Texas 77523
Phone: (281) 385-1177

State Farm Insurance
11340 Eagle Drive
Baytown, Texas 77523
Phone: (281) 576-6551

Allstate Insurance Company
608 Rollingbrook Street
Baytown, Texas 77521
Phone: (281) 422-2282

Germania Insurance
606 Rollingbrook Street Suite F1
Baytown, Texas 77521
Phone: (281) 422-2027

Harris County Insurance Center
608 Rollingbrook Drive
Baytown, TX 77521
Phone: (281) 427-6511
0.30 miles distant

Coffey’s Insurance Agency
501 W Texas Ave, Baytown, TX 77520
(281) 427-9461
Safeco
0.36 miles distant

Freeway Insurance
1248 Garth Rd Ste E, Baytown, TX 77520
(832) 241-5213
Infinity
0.66 miles distant

Penny Insurance
1900 Garth Rd Ste 4, Baytown, TX 77520
(832) 410-8555
Infinity
0.79 miles distant

A.E.X. Insurance
700 Park St, Baytown, TX 77520
(281) 420-1707
Infinity
0.92 miles distant

Irene De La Cruz
621 Schilling St, Baytown, TX 77520
(832) 572-7944
Mercury
0.99 miles distant

Jennifer Muldrow
2400 N Pruett St, Baytown, TX 77520
(281) 427-7337
State Farm
1.09 miles distant

A&A Allstarz Insurance Agency
2001 N Main St, Baytown, TX 77520
(832) 695-3461
Infinity
1.21 miles distant

Trevco Insurance
411 N Alexander Dr, Baytown, TX 77520
(281) 427-9063
Foremost, Infinity, Victoria
1.62 miles distant

Ken Mitchell
2005 N Alexander Dr, Baytown, TX 77520
(281) 427-8081
State Farm
1.62 miles distant

Paul Wankowicz
3413 Garth Rd, Baytown, TX 77521
(281) 428-7505
State Farm

Liberty Insurance
102 Oak Shadows St, Baytown, TX 77520
(281) 420-3339
Infinity
1.81 miles distant

Donnie Pitts
2301 N Alexander Dr Ste A, Baytown, TX 77520
(281) 427-9062
Allstate
1.81 miles distant

A-Z Insurance Agency
3602 Garth Rd, Baytown, TX 77521
(281) 427-1999
Infinity
1.86 miles distant

Acceptance Auto Insurance
3517 N Main St, Baytown, TX 77521
(281) 837-2886
Misc
1.88 miles distant

Ed Martinez
700 Rollingbrook St Ste F, Baytown, TX 77521
(281) 422-2282
Allstate
1.88 miles distant

Harris County Insurance
608 Rollingbrook St, Baytown, TX 77521
(281) 427-6511
Alfa Vision, MetLife Auto & Home, Bristol West, Safeco, Gainsco, Mercury

Walzel Insurance Agency
606 Rollingbrook St Ste 1f, Baytown, TX 77521
(281) 422-2027
Germania
2.15 miles distant

L.A. Insurance Agency TX22
2005 Ward Rd, Baytown, TX 77520
(713) 692-8400
Misc
2.29 miles distant

ASAP Insurance Agency
906 Massey Tompkins Rd, Baytown, TX 77521
(281) 838-8122
Infinity
2.35 miles distant

Joseph Sapp
1109 W Baker Rd, Baytown, TX 77521
(281) 422-7299
Allstate
2.41 miles distant

MG Insurance Agency
1023 Massey Tompkins Rd Ste B, Baytown, TX 77521
(281) 428-5300
Foremost, Infinity, Mercury
2.46 miles distant

Larry Wilkey
116 W Baker Rd, Baytown, TX 77521
(281) 427-7471
State Farm
2.52 miles distant

Amtex Insurance
4537 Garth Rd Ste 105, Baytown, TX 77521
(281) 420-7070
Infinity
2.58 miles distant

Randy Casey
4406 N Main St, Baytown, TX 77521
(281) 421-2244
State Farm
2.60 miles distant

David Sewell
4501 N Main St, Baytown, TX 77521
(281) 420-5574
Farmers, Foremost
2.61 miles distant

Bruce Clayton Insurance Agency
4503 N Main St, Baytown, TX 77521
(281) 422-0088
Mercury, The Hartford
2.98 miles distant

Sonya Cather
230 W Cedar Bayou Lynchburg Rd, Baytown, TX 77521
(281) 421-7575
Nationwide

Chad Merling
5523 West Rd, Baytown, TX 77521
(281) 421-3699
Farmers, Foremost
3.46 miles distant

Maribel Castillo
5702 Garth Rd Ste 200, Baytown, TX 77521
(281) 839-7139
Farmers, Foremost
3.72 miles distant

INSURICA Insurance
6011 Garth Rd Ste A, Baytown, TX 77521
(281) 421-7605
State Auto
4.63 miles distant

Jeff Brabham
6919 Garth Rd, Baytown, TX 77521
(281) 421-1616
Allstate
4.71 miles distant

Jenny Montes
4808 East Fwy, Baytown, TX 77521
(281) 839-2717
State Farm
5.29 miles distant

Renee Thibodeaux
5906 N Highway 146 Ste 110, Baytown, TX 77523
(281) 424-5433
State Farm
5.70 miles distant

Felice Curi Insurance Agency
1102 Starflower Ln, Baytown, TX 77521
(832) 643-8908
The General
6.81 miles distant

Ray Grayson
8018 N Highway 146 Ste 2, Baytown, TX 77523
(281) 918-8881
State Farm
7.32 miles distant

East Side Insurance Agency
8203 Blackcherry Ln, Baytown, TX 77523
(281) 837-7415
Infinity
8.18 miles distant

G R Hamilton Agency Insurance
9520 N Highway 146, Baytown, TX 77523
(281) 385-1037
Foremost, Progressive