Sick and tired of being strong-armed to pay car insurance each month? You’re in the same situation as many other drivers in Texas. Big companies like GEICO and Progressive all claim big savings with ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
You need to shop coverage around on a regular basis because prices are adjusted regularly by insurance companies. Just because you had the best rates for Explorer coverage on your last policy other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the quickest ways to eliminate unnecessary coverages and save money.
Which car insurance is cheapest in San Antonio, TX?
Shopping for lower car insurance rates can be challenging if you don’t utilize the most efficient way. You could waste time talking to agents in San Antonio, or you can utilize the internet to quickly compare rates.
Most major companies take part in a program that allows shoppers to submit one quote, and each company returns a rated price for coverage. This system prevents you from having to do quotation requests to each company. To find out how much you’re overpaying now click to open in new window.
The only drawback to doing it this way is you are unable to specify which insurance companies you want pricing from. If you prefer to choose individual companies to compare prices, we have assembled a list of low cost car insurance companies in Texas. Click here to view list.
You can use whichever method you prefer to find lower rates, just make sure you are using the exact same coverages and limits on every quote you get. If each company quotes differing limits it will be impossible to make an equal comparison in San Antonio. Quoting even small variations in limits could mean much higher rates. And when price shopping your coverage, comparing a wide range of rates will enable you to find better pricing.
Earn discounts to get lower-cost Texas car insurance quotes
Some providers do not list every possible discount very clearly, so we break down both the well known and also the lesser-known credits available to bring down your rates.
- Discount for Multiple Policies – If you can combine your auto and homeowners policy with one insurance company they may give you a discount of 10% to 20% off each policy.
- No Claims – San Antonio drivers who stay claim-free pay less as opposed to frequent claim filers.
- Driving Data Discount – People who choose to allow their company to look at driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as they are good drivers.
- Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
- Service Members Pay Less – Being on active duty in the military could mean lower car insurance rates.
- Multi-car Discount – Insuring all your vehicles with the same company can get a discount for every vehicle.
Remember that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.
A partial list of companies that have these discounts include:
If you want , ask each insurance company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in San Antonio. To choose companies who offer online car insurance quotes in San Antonio, follow this link.
Car insurance is available from local agents
A lot of people still prefer to visit with an insurance agent. The best thing about getting online price quotes is you may find better rates and still have an agent to talk to.
To help locate an agent, after submitting this form (opens in new window), your coverage information is immediately sent to local insurance agents who want to provide quotes for your business. There is no need to leave your computer since rate quotes are delivered to you instantly. You can find better rates AND an agent nearby. If you want to compare rates from one company in particular, just visit that company’s website and fill out the quote form the provide.
Finding a good insurance company is decision based upon more than just the bottom line cost. These are some questions your agent should answer.
- Are they full-time agents?
- Will you get a loaner vehicle if you car is being repaired?
- Do they make recommendations based only on price?
- Does the agency have a positive business rating?
- If you have an accident, will your rates go up?
- Where would your vehicle be repaired?
- Are they paid to recommend certain coverages?
In order to view contact information for agents near you, you may want to link to this full listing of car insurance agents in San Antonio.
Car insurance can be complex
When it comes to buying the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.
- Do I have any recourse if my insurance company denies a claim?
- Which companies will insure high-risk drivers?
- Is business equipment covered while in my vehicle?
- Am I covered when using my vehicle for business?
- Do I need motorclub coverage?
- Does my policy pay for OEM or aftermarket parts?
- How many claims can I have before being cancelled?
- What are the best liability limits?
- Do all my vehicles need collision coverage?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier
Even more information is located at the Texas Department of Insurance website. Texas consumers can file complaints about a company, discover disciplinary actions, and report car insurance fraud.
The following articles may also be useful.
- San Antonio Auto Insurance Savings the Big Companies Dont Want You to Know About
- Rock Solid Methods for Buying Low-Cost San Antonio, TX Auto Insurance
More quotes mean more savings
When you , it’s very important that you do not reduce needed coverages to save money. Too many times, someone dropped uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.
In this article, we presented some good ideas how to get a better price on Ford Explorer insurance. The key concept to understand is the more quotes you get, the better likelihood of getting . You may be surprised to find that the best premium rates are with a lesser-known regional company. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive or GEICO.