Wish you could get out of overpriced auto insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Lots of insurers contend for your hard-earned dollar, so it can be very hard to choose a company to find the best price available.
It’s a great practice to do price comparisons quite often because rates change frequently. Just because you found the lowest premium rates on LaCrosse insurance a few years ago there may be better deals available now. Don’t believe everything you read about auto insurance on the internet, but by reading this article, you’re going to learn some solid techniques on how to lower your auto insurance rates.
If you have insurance now or are just looking to switch companies, you can use these tips to reduce the price you pay and still get good coverage. Finding the best rates in Houston is not that difficult. Texas drivers only need to know how to compare rates online.
Pay discount rates these six discounts
Auto insurance is not inexpensive, but you might already qualify for some discounts that you may not even be aware of. Some of these disounts will be visible at the time of quoting, but some may not be applied and must be specially asked for prior to receiving the credit.
- ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more.
- Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
- Houston Homeowners Pay Less – Just owning your own home may trigger a policy discount on auto insurance because it is proof that your finances are in order.
- Clubs and Organizations – Belonging to certain professional organizations could trigger savings on your bill.
- Accident-Free Discounts – Good drivers with no accidents pay much less compared to frequent claim filers.
- 55 and Retired – Older drivers may qualify for reduced rates on LaCrosse insurance.
A quick disclaimer, most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, you’re out of luck.
To see companies who offer auto insurance discounts in Houston, click this link.
Finding a lower price on insurance is a great way to save money. All that’s required is to invest a little time comparing rate quotes to find the company with . Insurance prices can be quoted in just a few minutes using one of these methods.
- If you are pressed for time, the simplest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form eliminates the need for boring form submissions for each company. Just one form compares rates from multiple low-cost companies.
- A harder way to analyze rates is spending the time to visit each company website and get a separate price quote. For example, let’s say you want comparison quotes from Farmers, GEICO and Travelers. In order to compare rates, you need to take the time to go to each site and repeatedly type in your coverage information, which is why most consumers use the first method. To view a list of companies in Houston, click here.
However you get your quotes, make sure you are using exactly the same coverage data for each quote you get. If your comparisons have unequal deductibles or liability limits you will not be able to truly determine the lowest rate in Houston.
Special considerations
When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs may require specific advice.
- Do I have coverage when making deliveries for my home business?
- Do I have coverage if my license is suspended?
- How many claims can I have before being cancelled?
- How much liability coverage do I need in Texas?
- When should I remove comp and collision on my Buick LaCrosse?
- Who is covered by my policy?
- What vehicles should carry emergency assistance coverage?
- Will I lose any money if I cancel my policy before it expires?
- Am I covered when using my vehicle for business?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Coverage specifics
Learning about specific coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from flooding, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage protection
This pays for damage to your LaCrosse caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like sustaining damage from a pot hole, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Liability coverages
Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against things like funeral expenses, court costs, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible. Texas state minimum liability requirements are 30,000/60,000/25,000 but you should think about purchasing more coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as chiropractic care, funeral costs and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Persistence pays off
Throughout this article, we presented quite a bit of information on how to compare Buick LaCrosse insurance prices online. The most important thing to understand is the more you , the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.
As you prepare to switch companies, do not buy less coverage just to save a little money. Too many times, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best cost, but do not skimp to save money.