I doubt anyone likes paying for auto insurance, especially when they know the cost is too high. Having so many options, it can be hard to pick the right insurance company.
It’s smart to quote other rates every six months because prices are variable and change quite frequently. Just because you found the best deal on CR-V coverage last year other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to quote online to buy cheaper auto insurance.
The easiest way to compare rates takes advantage of the fact most of the larger companies have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is give them rating details including whether you drive to work or school, how much education you have, how many miles driven, and the ages of drivers. That information is instantly sent to insurance carriers in your area and you will get price comparisons instantly to find the best rate.
To check Honda CR-V insurance prices now, click here and enter your zip code.
Get lower-cost Houston auto insurance with discounts
Some providers don’t necessarily list all their discounts in a way that’s easy to find, so the next list breaks down a few of the more common and also the lesser-known ways to save on auto insurance.
- Defensive Driving Course – Passing a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
- Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
- Senior Citizens – Older drivers can get a discount up to 10% on CR-V coverage.
- No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on as compared to drivers with a long claim history.
- Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
- Telematics Discount – Insureds that choose to allow driving data collection to study their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they exhibit good driving behavior.
We need to note that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. But any discount will positively reduce your overall bill.
The best auto insurance companies and some of the discounts include:
- State Farm offers discounts including multiple autos, anti-theft, Steer Clear safe driver discount, safe vehicle, good student, and multiple policy.
- Progressive policyholders can earn discounts including good student, multi-vehicle, online signing, online quote discount, multi-policy, and homeowner.
- Travelers discounts include hybrid/electric vehicle, new car, payment discounts, continuous insurance, and save driver.
- American Family includes discounts for early bird, bundled insurance, multi-vehicle, defensive driver, Steer into Savings, air bags, and TimeAway discount.
- Liberty Mutual offers discounts for multi-policy, new graduate, safety features, multi-car, and new vehicle discount.
Before buying, ask every insurance company which credits you are entitled to. Depending on the company, some discounts may not apply in Houston. To locate companies with significant discounts in Texas, click here to view.
You may need specialized auto insurance coverage
When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine if you would benefit from an agent’s advice.
- What is the minimum liability in Texas?
- Is my cargo covered for damage or theft?
- Am I covered when pulling a rental trailer?
- Is there coverage for injuries to my pets?
- Can I afford to pay high deductible claims out of pocket?
- Is pleasure use cheaper than using my Honda CR-V to commute?
- Can I afford low physical damage deductibles?
- I don’t drive much so do I pay less?
If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.
More tips and info about auto insurance is located at the Texas Department of Insurance website. Texas consumers can view a list of available companies, read consumer alerts, report car insurance fraud, and find out industry alerts.
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