Are you regretting buying high-priced car insurance? Don’t feel bad because there are many people just like you. You have so many car insurance companies to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to adequately compare rates.
Consumers should take time to compare premium rates every six months because car insurance prices change regularly. Even if you think you had the best price on Silverado insurance a year ago you can probably find a better rate quote now. Ignore everything you know about car insurance because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.
Buying car insurance in Houston is not that difficult. If you have insurance now or need a new policy, you can use this information to find the best rates and still get good coverage. Texas vehicle owners only need an understanding of the proper methods to buy car insurance on the web.
Get lower-cost rates with these discounts
Companies offering auto insurance don’t necessarily list every disount available very well, so the list below details a few of the more well known and also the lesser-known savings tricks you should be using when you .
- Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
- Drive Less and Save – Driving fewer miles could be rewarded with better premium rates on cars that stay parked.
- Bundled Policy Discount – When you combine your homeowners and auto insurance with the same company you may earn at least 10 to 15 percent or more.
- Membership in Organizations – Affiliation with a civic or occupational organization in Houston could trigger savings on your next car insurance statement.
- Service Members Pay Less – Being deployed in the military could be rewarded with lower car insurance rates.
- No Accidents – Insureds with no claims or accidents get the best car insurance rates when compared to drivers with a long claim history.
Discounts save money, but please remember that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, you aren’t that lucky.
A partial list of companies that may offer some of the discounts shown above include:
When comparing rates, check with every company to apply every possible discount. Some of the earlier mentioned discounts may not be offered in Houston. If you would like to choose from a list of insurers who offer online car insurance quotes in Houston, click this link.
Car insurance can be complex
When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight whether you may require specific advice.
- What should my uninsured motorist coverage limits be in Texas?
- Are my tools covered if they get stolen from my vehicle?
- Do I need rental car coverage?
- Does my Chevy Silverado 1500 qualify for pleasure use?
- Am I covered when driving on a suspended license?
- Am I covered by my spouse’s policy after a separation?
- Am I covered if I crash into my own garage door?
- Do I have coverage when pulling a U-Haul trailer?
- How many claims can I have before being cancelled?
- How high should my medical payments coverage be?
If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Even more information can be found at the Texas Department of Insurance website. Texas drivers can learn about insurance regulations, read enforcement actions against agents and companies, and find out which companies have the most complaints.
These articles may also be worth reading.
- Proven Ways for Comparing Cheaper Houston Car Insurance
- 10 Must-Know Tips When Comparing Houston, TX Auto Insurance
- Lowest Prices from Houston Car Insurance Agents
Final considerations
Some companies do not offer online rate quotes and many times these smaller providers sell through independent agents. Budget-friendly car insurance is available from both online companies as well as from independent agents in Houston, and you should compare rates from both in order to have the best chance of saving money.
When buying insurance coverage, do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.
We’ve covered a lot of information how to get a better price on Chevy Silverado 1500 insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest prices come from the least-expected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.