Do you get exhausted from sacrificing other expenses to keep your car insured? You’re in the same situation as the majority of other consumers in Texas. Since you have so many choices of insurance companies, it can be hard to locate the most affordable insurer.
Most major insurance companies allow consumers to get price estimates direct online. The process doesn’t take much effort as all you need to do is type in the coverage amounts you desire into the quote form. When complete, their quoting system makes automated requests for your credit score and driving record and generates pricing information based on the information you submitted. This makes comparing rates easy, but the process of having to visit many different websites and type in the same data gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to find the lowest possible prices on auto insurance.
The better way to compare rates
A more efficient way to find cheaper rates uses just one form that gets price quotes from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much more efficient. After your information is entered, your coverage is rated with multiple companies and you can pick any of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and could lower your rates considerably.
To get comparison pricing now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you replicate the coverages exactly as they are listed on your policy. This makes sure you’re receiving rate comparison quotes using the same coverage and limits.
But they said I’d save $486 a year!
Texas drivers can’t ignore all the ads that promise big savings for switching from the likes of Allstate and Progressive. All the ads try to convey promises about how much you will save just by switching to them.
How is it possible that every company can cost less than your current company? Just pay attention to how they say it.
All the different companies look for specific characteristics for the driver that will not have excessive claims. An example of a profitable risk profile should be between 30 and 50, has few claims, and drives a car with an anti-theft system. Any new insured who fits those characteristics will get low car insurance rates and will most likely pay quite a bit less when switching companies.
Consumers who don’t meet these standards will probably have to pay more expensive rates and this results in the customer buying from someone else. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save that much money. That’s the way companies can claim big savings. This emphasizes why it’s extremely important to compare often. It is impossible to predict the company that will have better premium rates than you’re paying now.
Verify you’re applying every discount
Auto insurance is not an enjoyable expense, but there are discounts available that can drop the cost substantially. A few discounts will be applied at the time of quoting, but a few must be inquired about prior to receiving the credit.
- Driver Training Discounts – Completing a course in defensive driving could earn you a small percentage discount and make you a better driver.
- College Student Discount – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
- Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
- Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and will save you 10% or more.
- Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less for Rio insurance compared to rates paid by drivers with frequent claims.
- Active Service Discounts – Being deployed with a military unit could be rewarded with lower premium rates.
- Early Signing – Select larger companies give a discount for switching policies before your current coverage expires. The savings is around 10%.
- Discount for Passive Restraints – Vehicles equipped with air bags may get savings as much as 30%.
You should keep in mind that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
To choose insurance companies who offer online auto insurance quotes in Texas, click this link.
When should I discuss my situation with an agent?
When buying coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether you might need professional guidance.
- Does my liability insurance cover pulling a trailer or camper?
- Do I have coverage for damage caused while driving under the influence?
- What is high-risk coverage and where do I buy it?
- Am I covered when driving on a suspended license?
- Do all my vehicles need collision coverage?
- Do I need motorclub coverage?
- Do I need to file an SR-22 for a DUI in Texas?
- Is my vehicle covered by my employer’s policy when using it for work?
- What is the minimum liability in Texas?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.
More tips and info about auto insurance can be found at the Texas Department of Insurance website. Texas drivers can view agent and company licensing information, read consumer alerts, discover disciplinary actions, and view a list of available companies.
More related Dallas auto insurance information:
- Insider Tricks to Paying Less for Dallas Texas Car Insurance
- Is Your Dallas, TX Auto Insurance Too High? Learn How to Lower Your Rates
- Dallas Car Insurance Buying Tips Every Consumer Should Know
Cheaper coverage is out there
While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice liability coverage limits only to discover later they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
We covered a lot of information how to compare Kia Rio insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding . You may even find the best price on auto insurance is with a lesser-known regional company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.