Expensive auto insurance can dwindle your bank account and put the squeeze on your family’s finances. Doing a price comparison is a smart way to slash your bill and have more diposable income. With consumers having so many choices, it can be diffult for consumers to choose the most cost effective provider.
Finding affordable coverage is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Texas consumers just need to know the most efficient way to buy auto insurance over the internet.
Auto Insurance Prices in Texas
Getting a cheaper price on Audi A4 insurance is not rocket science. The only thing you need to do is spend a few minutes on the computer to compare quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.
- The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate quote forms for every auto insurance company. Completing one form will return quotes from multiple low-cost companies.
- A different way to compare rate quotes requires a visit to the website for each individual company to request a price quote. For examples sake, we’ll pretend you want to compare Auto-Owners, Progressive and Liberty Mutual. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.
- The least recommended method to get comparison rates is to drive around to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed agents. However, consumers can compare the best prices online but still have the advice of a local agent and we’ll cover that in a bit.
However you get your quotes, make sure you use the exact same coverage information with every price quote. If the quotes have mixed coverages then you won’t be able to determine which rate is truly the best.
Companies offer discounts so take them!
Companies offering auto insurance don’t always publicize all available discounts very well, so here is a list some of the best known as well as the least known ways to save on auto insurance. If you don’t get every credit available, you are paying more than you should be.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
- New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Air Bag Discount – Factory air bags or motorized seat belts can get savings of more than 20%.
- Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
- Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
Keep in mind that some credits don’t apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.
To choose providers who offer auto insurance discounts in Texas, click here to view.
Find out more about auto insurance
More tips and info about auto insurance can be read at the Texas Department of Insurance website. Visitors are able to view a list of available companies, read consumer alerts, and report car insurance fraud.