Have you finally had enough of sacrificing to pay your car insurance bill each month? You are in the same boat as many other Texas consumers. Because you have many companies to choose from, it can be challenging to choose the right company.
You should make it a habit to check car insurance prices before your policy renews because car insurance prices are variable and change quite frequently. Just because you found the best price on Forte insurance a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to find out the best way to find better coverage at a better price.
Car insurance rates and discounts
Car insurance is neither fun to buy or cheap, but you may be missing some discounts that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but some need to be asked about before being credited.
- Lower Rates for Military – Having an actively deployed family member can result in better rates.
- Discount for Swiching Early – Select insurance companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
- Onboard Data Collection – Austin drivers who agree to allow companies to spy on driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.
- Defensive Driving Course – Completing a defensive driving class may get you a small discount depending on where you live.
- Good Student – This discount can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
- Drive Less and Save – Maintaining low annual mileage can earn lower premium rates due to less chance of an accident.
- Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% on Forte insurance.
While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will reduce the cost of your policy.
A few popular companies and their possible discounts can be read below.
- GEICO may have discounts that include membership and employees, military active duty, good student, anti-lock brakes, multi-vehicle, seat belt use, and driver training.
- Travelers includes discounts for new car, payment discounts, continuous insurance, student away at school, and multi-car.
- Nationwide has discounts for accident-free, good student, easy pay, anti-theft, and family plan.
- Farmers Insurance offers discounts including early shopping, bundle discounts, distant student, teen driver, switch companies, and electronic funds transfer.
- Esurance may offer discounts for paid-in-full, safety device, anti-theft, online shopper, claim free, anti-lock brakes, and Pac-12 alumni.
- State Farm offers discounts for Steer Clear safe driver discount, multiple policy, student away at school, driver’s education, and passive restraint.
- Progressive offers premium reductions for good student, online signing, multi-policy, homeowner, online quote discount, and multi-vehicle.
- Mercury Insurance has savings for low natural disaster claims, professional/association, multi-car, multi-policy, annual mileage, and location of vehicle.
Double check with all the companies the best way to save money. Depending on the company, some discounts might not be offered on policies everywhere. To see car insurance companies offering car insurance discounts in Texas, click here.
Components of Your Kia Forte Insurance Prices
Lots of factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but others are less obvious like your continuous coverage or your vehicle rating. It’s important that you understand some of the factors that go into determining the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that will entitle you to much lower annual insurance costs.
- Extra coverages you don’t use – Insurance companies have many additional extra coverages that you can get tricked into buying if you don’t pay attention. Things like coverage for rental cars, towing coverage, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea initially, but now you might not need them so consider taking them off your policy.
- Marriage discount – Being married may save some money when shopping for car insurance. It generally demonstrates drivers are more mature and responsible and it’s proven that married drivers tend to have fewer serious accidents.
- Gaps in coverage mean higher car insurance rates – Having a gap between insurance policy dates is a quick way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department.
- Occupation reflects on premiums – Do you work in a high-stress field? Occupational choices like lawyersairline pilots and accountants usually pay the highest average rates due to intense work situations and lots of time spent away from family. Other occupations such as scientists, students and performers pay lower than average rates on Forte insurance.
- Expect high rates for teens – Youthful drivers in Texas tend to get distracted easily when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Adding a first-time driver onto a policy can be very expensive. Mature drivers have been proven to be more responsible, file fewer claims and receive fewer citations.
More Texas car insurance information
Much more information about car insurance in Texas is available on the found here. Consumers can read consumer alerts, find disaster information, and download brochures.
These articles may also be worth reading.
- Auto Insurance in Austin, TX 6 Discounts You Might be Unaware of
- Is Your Austin Minnesota Auto Insurance Too High? Here is How to Save Money
- Car Insurance in Austin Texas 7 Discounts You Might be Missing
A tidy conclusion
When searching for , you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed full coverage only to regret that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
Cheaper car insurance can be bought both online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance companies may not have rate quotes online and these small, regional companies only sell through independent agents.