No one looks forward to paying for car insurance, particularly when the price is too high. Popular companies such as State Farm, GEICO and Farmers Insurance all claim big savings with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and find the best price available.
It’s a good habit to compare prices occasionally since insurance rates tend to go up over time. Despite the fact that you may have had the lowest rates a year ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because I’m going to teach you the fastest way to lower your annual insurance bill.
If you have insurance now or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Choosing the best insurance company for you in Waco is not that difficult. Texas drivers only need an understanding of the proper methods to shop online.
Cut your car insurance rates with discounts
The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but some must be specially asked for before being credited. If you’re not getting every credit possible, you’re just leaving money on the table.
- Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
- Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
- Save over 55 – Mature drivers can possibly qualify for reduced rates.
Keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.
To see a list of insurers with discount car insurance rates in Texas, click here to view.
You are unique and your car insurance should be too
When choosing coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.
- Is a new car covered when I drive it off the dealer lot?
- What is the minimum liability in Texas?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Does my insurance cover a custom paint job?
- Exactly who is provided coverage by my policy?
- When does my teenage driver need to be added to my policy?
- Does my vehicle qualify for pleasure use?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
More information can be found on the website for the Texas Department of Insurance located here. Texas drivers can discover disciplinary actions, file complaints about an insurance agent or broker, find a variety of consumer forms, and report car insurance fraud.
Other informative sites include this page for car insurance prices in Texas and see this list of insurance agents in Waco.
Smart consumers save more
Affordable car insurance is attainable from both online companies and with local Waco insurance agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
Throughout this article, we presented many ideas to reduce car insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.