Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.
Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Choosing the best insurance company for you is not that difficult. But Texas consumers do need to know how companies determine prices and use this information to your advantage.
How to Get Car Insurance in Texas
Performing a rate comparison can take time and effort if you don’t understand the best way to get rate quotes. You could waste time discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get the quickest rates.
Many insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and each company returns a rated price determined by their information. This saves time by eliminating form submissions for each company you want a rate for.
To compare rates using this form now click here to start a free quote.
The only downside to using this type of form is you don’t know exactly which insurance companies you will receive quotes from. So if you want to choose from a list of companies to compare rates, we put together a list of companies who write car insurance in Texas. View list of Texas insurance companies.
Whichever method you choose, compare identical coverage limits and deductibles with every price quote. If you have different deductibles it will be next to impossible to determine the lowest rate for your Nissan Rogue. Having just a slight variation in coverage limits can make a big difference in price. Just remember that having more price comparisons provides better odds of finding a lower rate.
When should I use an insurance agent?
When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions could help you determine whether your personal situation might need professional guidance.
- What can I do if my company won’t pay a claim?
- What is the difference between comprehensive and collision coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I need to file an SR-22 for a DUI in Texas?
- Do I get a pro-rated refund if I cancel my policy early?
- Should I buy only the required Texas minimum liability coverage?
- Do I need PIP coverage since I have good health insurance?
- What are the best liability limits?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
More Texas car insurance resources
More tips and info about car insurance is located at the Texas Department of Insurance website. Visitors are able to find disaster information, get help finding coverage, learn about specific coverages, and file complaints about a company.
Also read more on this Car Insurance FAQ and J.D. Power and Associates Understanding your Auto Insurance Policy.