Nobody I know rejoices having to buy car insurance, especially when they are aware that they could find lower prices if they just compared rates. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with catchy ads and it can be hard to see through the deception and effectively compare rates to find the best deal.
Do you qualify for discounts?
Some companies don’t necessarily list every disount available in a way that’s easy to find, so the below list has a few of the more well known and also the lesser-known car insurance savings.
- Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving could save 15% on medical payment and PIP coverage.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
- Multiple Vehicles – Purchasing coverage when you have multiple cars on a single policy can reduce the rates for all insured vehicles.
- Safety Course Discount – Taking part in a course teaching defensive driver skills could earn you a small percentage discount depending on where you live.
- Driver’s Education for Students – Cut your cost by having your teen driver sucessfully take a driver\s education course as it can save substantially.
A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts will cut your policy premiums.
Car insurance companies that may offer quotes with some of the above discounts are:
When getting a coverage quote, ask every insurance company what discounts are available to you. Some discounts listed above might not be available to policyholders in your state. To find providers who offer online car insurance quotes in Austin, click here to view.
Performing a rate comparison is a ton of work if you don’t utilize the best way to get rate quotes. You can spend your afternoon driving to insurance companies in Austin, or you can utilize the internet to quickly compare rates.
Most major companies take part in a program that enables customers to send in one quote, and each company provides a quote based on that data. This system prevents you from having to do quote forms to every company.
To access this free quoting program, click here to open in new window.
The one disadvantage to pricing coverage this way is that you can’t choose which carriers you want pricing from. So if you prefer to pick individual companies to receive pricing from, we put together a list of car insurance companies in Texas. Click here for list of insurance companies in Texas.
Which method you use is up to you, but be sure to compare apples-to-apples coverage data for each quote you get. If your comparisons have different liability limits it will be very difficult to truly determine the lowest rate in Austin. Even a minor difference in insurance coverages can make a big difference in price. Just remember that more quotes helps increase your odds of locating a lower rate. Not every company allows you to get online quotes, so you should also compare rates from those companies as well.
Tailor your car insurance coverage to you
When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover whether you might need an agent’s assistance.
- Why does it cost so much to insure a teen driver in Austin?
- Do I benefit by insuring my home with the same company?
- Should I put collision coverage on all my vehicles?
- When would I need additional glass coverage?
- Are my friends covered when driving my Acura MDX?
- Will I be non-renewed for getting a DUI or other conviction?
- Who is covered by my policy?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.
You can find cheaper coverage
Lower-priced Acura MDX insurance is available both online in addition to many Austin insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and usually these smaller companies only sell coverage through independent agents.
We covered a lot of information how to lower your Acura MDX insurance premium rates. The key concept to understand is the more companies you get prices for, the higher your chance of finding . You may even discover the lowest premium rates come from some of the lesser-known companies. They often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.
When shopping online for car insurance, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.