Wish you could get a refund on an expensive car insurance policy? Trust us when we tell you you’re not the only one. Having so many companies and agents to choose from, it is hard for the average consumer to locate a lower cost insurer.
Choosing the best insurance company for you in San Antonio is not rocket science. If you currently have car insurance, you should be able to cut costs considerably using these tips. Texas consumers just need to learn the best way to compare price quotes online.
The most recommended method to compare rate quotes is to take advantage of the fact most insurance companies participate in online systems to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details including if you are currently licensed, an estimate of your credit level, what your job is, and how old drivers are. Those rating factors is instantly submitted to many different companies and they return quotes immediately.
If you would like to compare rates now, click here and enter the information requested.
Car insurance companies offer many types of discounts
Car insurance companies don’t necessarily list every possible discount very well, so we break down a few of the more common and also the more inconspicuous discounts that you can inquire about if you . If they aren’t giving you every credit available, you’re paying more than you need to.
- Discount for Home Ownership – Just being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home means you have a higher level of financial diligence.
- Sign Early and Save – A few companies allow discounts for switching policies before your current coverage expires. This discount can save up to 10%.
- Accident Waiver – but a few companies such as Progressive, Allstate, and GEICO will allow you to have one accident without getting socked with a rate hike if you are claim-free for a specific time period.
- Discount for Passive Restraints – Factory options such as air bags could see savings up to 30%.
- Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction for Sonata insurance with certain companies.
- Accident Free – San Antonio drivers who stay claim-free can save substantially in comparison with accident-prone drivers.
- Mature Driver Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Sonata insurance.
- Multi-policy Discount – If you combine your home and auto policies with the same insurance company you could earn a discount of at least 10% off all policies.
- Student Discounts – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
A quick disclaimer, some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will reduce your car insurance premiums.
Companies who may offer these money-saving discounts include:
If you need , ask all the companies to give you their best rates. All car insurance discounts may not apply to policyholders in San Antonio.
Find out more about car insurance
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Texas drivers can find a variety of consumer forms, find disaster information, and learn about insurance regulations.
The following information may also be useful.