Trying to come up with a payment for expensive auto insurance can drain your family’s budget and make it tough to pay other bills. Comparing rate quotes is free, only takes a few minutes, and is a good way to lower your monthly bill.
There are many insurers to choose from, and even though it’s nice to be able to choose, so many choices can make it hard to find the best rates.
Do you qualify for discounts?
Auto insurance is easily one of your largest bills, but there may be some discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked for before you will receive the discount.
- Defensive Driving Course – Passing a defensive driver class can save you 5% or more if you qualify.
- Early Renewal Discounts – Some auto insurance companies reward drivers for buying a new policy early. It could save around 10% when you .
- Good Student – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
- Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
- Active Military Service – Having a deployed family member could be rewarded with lower auto insurance rates.
- Discount for Life Insurance – Larger insurance carriers have a small discount if you purchase a life insurance policy as well.
- Theft Prevention Discount – Vehicles with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your .
- Dallas Homeowners Pay Less – Owning a house in Dallas may earn you a small savings since home ownership requires personal responsibility.
- Low Miles Discount – Low annual miles can earn lower auto insurancerates on the low mileage vehicles.
We need to note that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like medical payments or collision. So when it seems like you could get a free auto insurance policy, you’re out of luck.
A list of auto insurance companies and a partial list of their discounts can be read below.
- Farmers Insurance offers discounts including distant student, homeowner, youthful driver, electronic funds transfer, and multi-car.
- State Farm may include discounts for defensive driving training, good driver, multiple policy, multiple autos, good student, Steer Clear safe driver discount, and student away at school.
- Liberty Mutual has savings for exclusive group savings, newly retired, preferred payment discount, teen driver discount, hybrid vehicle, new move discount, and new graduate.
- MetLife offers premium reductions for good student, good driver, claim-free, defensive driver, accident-free, multi-policy
- Progressive may have discounts that include homeowner, continuous coverage, multi-vehicle, good student, online quote discount, multi-policy, and online signing.
If you need lower rates, check with each insurance company which discounts can lower your rates. Depending on the company, some discounts may not be offered in every state. To find auto insurance companies that offer some of these discounts in Dallas, follow this link.
The fastest way that we advise to compare insurance rates in your area utilizes the fact auto insurance companies will pay a fee to quote your coverage. All you need to do is give them rating details including what your job is, whether you have decent credit, how much you drive, and how much school you completed. Your details gets sent immediately to many different companies and you will receive price estimates almost instantly.
To check Ford Taurus insurance prices now, click here and find out if you can get cheaper insurance.
You can find cheaper coverage
You just learned quite a bit of information on how to save on Ford Taurus insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding . You may even find the best price on auto insurance is with a small local company. They may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.
As you prepare to switch companies, do not sacrifice coverage to reduce premiums. In many cases, someone dropped liability coverage limits and discovered at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.