Finding the cheapest insurance for your Kia Soul in Texas can normally be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to shop for auto insurance and we’ll show you the best way to price shop coverage for a Kia and find the lowest price.
Buying cheaper protection in San Antonio is simple if you know the tricks. If you have a current auto insurance policy or are looking for a new policy, you can learn to get lower rates while maximizing coverage. Texas drivers just need to learn the most effective way to compare company rates online.
Discount San Antonio auto insurance quotes
Companies don’t necessarily list all their discounts in a way that’s easy to find, so the below list has a few of the more common and also the more inconspicuous discounts that may be available.
- Life Insurance Discount – If the company offers life insurance, you could get a lower price if you buy some life insurance too.
- Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower prices due to less chance of an accident.
- Student Discount for Driver Training – Teen drivers should complete a driver education course if offered at their school.
- Memberships – Joining qualifying clubs or civic groups could qualify you for a break when shopping for auto insurance.
- No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on as compared to frequent claim filers.
- Passive Restraint Discount – Factory air bags may get savings of 20% or more.
Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
A few of the larger companies and their offered discounts can be read below.
- State Farm may include discounts for defensive driving training, student away at school, multiple policy, passive restraint, and good driver.
- Farmers Insurance may offer discounts for bundle discounts, good student, teen driver, mature driver, homeowner, and switch companies.
- GEICO discounts include multi-vehicle, air bags, daytime running lights, multi-policy, military active duty, and anti-lock brakes.
- American Family includes discounts for accident-free, air bags, TimeAway discount, bundled insurance, early bird, and multi-vehicle.
- Nationwide policyholders can earn discounts including good student, business or organization, accident-free, easy pay, anti-theft, Farm Bureau membership, and defensive driving.
- Progressive offers premium reductions for multi-policy, online quote discount, multi-vehicle, good student, continuous coverage, homeowner, and online signing.
When quoting, ask every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in San Antonio. If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Texas, click here.
The fastest way that we advise to compare insurance rates from multiple companies is to know the trick most larger insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details including driver details, if the car is leased, how much school you completed, and if you are currently licensed. Those rating factors is then sent to multiple companies and they return quotes instantly to find the best rate.
To compare rates now, click here and see if a lower rate is available.
Why Your Insurance Prices might be higher
Lots of factors are part of the equation when premium rates are determined. Some factors are common sense such as your driving record, but other criteria are less obvious such as your marital status and annual miles driven. Smart consumers have a good feel for some of the things that help calculate your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that could result in much lower annual insurance costs.
The list below includes some of the things that factor into rates.
- Liability protection – Liability coverage will provide protection in the event that you are found liable for physical damage or personal injury to other. Your liability coverage provides legal defense which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
- Don’t buy add-on coverages you don’t need – There are a lot of extra add-on coverages that sound like a good idea at the time if you aren’t diligent. Add-on coverages like rental car coverage, death and dismemberment, and extra equipment coverage are examples of these. They may sound like good ideas at first, but now you might not need them so eliminate them to save money.
- Experienced drivers pay less – More experienced drivers tend to be more responsible, cause fewer claims and accidents .Young drivers have been known to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates.
- Gender and auto insurance prices – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women cause auto accidents at a similar rate, but guys tend to have more serious accidents. They also get higher numbers of serious violations such as DWI and reckless driving.
Do drivers who switch really save?
Texas consumers can’t ignore all the ads that claim the lowest prices from the likes of GEICO, State Farm and Progressive. All the ads have a common claim that drivers will save a bundle just by moving to their company.
It sounds good, but how can they all claim to save you money? This is the trick they use.
All companies look for specific characteristics for the type of driver they prefer to insure. For instance, this type of insured could possibly be married and over the age of 30, has no prior claims, and has a short commute. Any customer that meets those criteria will most likely get cheap prices and have a good chance to save when they switch companies.
Insureds who fall outside this stringent profile may be required to pay a higher rate and this can result in the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can make those statements.
Because of the profiling, it is so important to quotes as often as possible. Because you cannot predict the company that will be your best fit.
Summing up your auto insurance search
Drivers switch companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, high prices or extreme rates for teen drivers. No matter why you want to switch, finding a new auto insurance company can be less work than you think.
As you restructure your insurance plan, do not buy poor coverage just to save money. There are a lot of situations where an insured dropped collision coverage only to regret at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage for the lowest cost while still protecting your assets.
Cheaper auto insurance is definitely available on the web as well as from independent agents in San Antonio, so you need to with both so you have a total pricing picture. Some insurance companies don’t offer rate quotes online and most of the time these regional carriers only sell coverage through independent insurance agencies.
Some additional reading
Much more information about auto insurance in Texas is available on the website for the Texas Department of Insurance found here. Texas drivers can read industry bulletins, learn about insurance regulations, and read consumer alerts.
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