Feel like you have overpriced auto insurance? Trust us when we tell you many Houston consumers are in the same pinch. Having so many companies and agents to choose from, it can be diffult for people to find a lower cost auto insurance company.
Consumers need to do price comparisons occasionally because prices trend upward over time. Just because you found the lowest price for Enclave coverage two years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the easiest way to find great coverage at a great price.
Finding affordable coverage in Houston is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. But Texas car owners need to have an understanding of how the larger insurance companies price online insurance and take advantage of how the system works.
Lower rate quotes by getting discounts
Some providers don’t always publicize every possible discount very well, so the list below details both well-publicized and also the more inconspicuous credits available to you. If you don’t get every credit you deserve, you could be getting lower rates.
- Homeowners Savings – Simply owning a home can get you a discount because it requires personal responsibility.
- New Car Discount – Buying a new car instead of a used car can save up to 30% because newer vehicles are generally safer.
- Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.
- Driver Safety – Passing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
- Good Grades Discount – Being a good student can save 20 to 25%. The discount lasts until age 25.
As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
Auto insurance companies that have some of the discounts shown above possibly include:
When comparing rates, check with each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your state. To view auto insurance companies that offer multiple discounts in Houston, follow this link.
Most larger insurance companies like 21st Century, Allstate and State Farm provide pricing from their websites. Getting online quotes is fairly straightforward because it’s just a matter of typing in your coverage information on the page. Once entered, their system requests your driving and credit reports and provides a quote based on the information you submitted. Online price quotes helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s necessary to have as many quotes as possible if you want to find the best price possible.
The easiest way to compare rates uses one simple form that gets price quotes from many companies. It saves time, requires less work, and makes comparison shopping much simpler. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the pricing results. If you find a better price you simply finish the application and buy the policy. This process just takes a couple of minutes and you’ll know if lower rates are available.
To save time and compare rates using this form now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you copy coverages and limits as shown on your current policy. This helps ensure you will have comparison quotes based on similar coverages.
Your auto insurance coverage should be tailored to you
When it comes to buying adequate coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might point out if you might need an agent’s assistance.
- Am I getting all the discounts available?
- Does my insurance cover my expensive audio equipment?
- Does my policy cover me when driving someone else’s vehicle?
- Should I rate my Buick Enclave as pleasure use or commute?
- Should I have combined single limit or split liability limits?
- I don’t drive much so do I pay less?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
What is YOUR best insurance company?
Some insurance providers do not provide rates over the internet and these regional carriers prefer to sell through local independent agencies. Cheap Buick Enclave insurance can be purchased on the web in addition to many Houston insurance agents, so you need to compare both to have the best chance of lowering rates.
As you , it’s a bad idea to buy poor coverage just to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your goal should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.