Finding better rates for San Juan auto insurance is always nearly impossible for people who are new to comparing rates online. You have so many companies to choose from that it can turn into a challenge to find the best price in San Juan.
Buy Cheaper Auto Insurance with These Tips
It’s important that you understand the different types of things that help determine your auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with big savings.
The following are a few of the “ingredients” that factor into rates.
- Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
- Big city or small town – Choosing to live in small towns and rural areas has it’s advantages when insuring your vehicles. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated Texas areas regularly have congested traffic and longer commutes to work. Higher commute times means more change of being in an accident.
- Better credit scores mean better rates – Your credit score is a big factor in determining what you pay for auto insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit history is low, you could save money insuring your by improving your rating.
- Don’t let your coverage lapse – Driving with no insurance is against the law and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance might get you a revoked license or a big fine.
Cut your premium with discounts
Companies do not advertise every discount very clearly, so we researched some of the more common and also the lesser-known ways to save on auto insurance.
- Driver Safety – Completing a course in driver safety could cut 5% off your bill if you qualify.
- Claim Free – Claim-free drivers can earn big discounts when compared with bad drivers.
- Accident Forgiveness – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
- Auto/Home Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
- Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
- Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.
For a list of companies offering auto insurance discounts in San Juan, click here.
Neighborhood agents for auto insurance
Some people prefer to sit down with an agent and that is a personal choice. The best thing about getting online price quotes is the fact that you can find the best rates but still work with a licensed agent.
For easy comparison, once you complete this short form, your information is sent to local insurance agents who will compete for your business. You don’t have to visit any agencies due to the fact that quote results will go straight to your inbox. It doesn’t get any easier! It’s the lowest rates AND an agent nearby.
Choosing an insurance company needs to be determined by more than just the bottom line cost. These are valid questions to ask:
- If your car is in the repair shop, do you have coverage for a rental car?
- Will your rates increase after a single accident?
- Does the agency provide any after hours assistance?
- If you are a high risk driver, do they have special markets for your coverage?
- Is working in the agency their full-time job?
- Does the agency support the community they serve?
Listed below are agents in San Juan that may be able to provide price quotes.
- Campos Insurance – 118 N Nebraska Ave, San Juan, TX 78589 – (956) 783-0818
- Farmers Insurance Group – 400 W Expressway 83, San Juan, TX 78589 – (956) 787-4269
- Eliborio Saenz Jr Insurance – 200 W Expressway 83, San Juan, TX 78589 – (956) 783-4949
For a complete listing of auto insurance agents in San Juan, please go to this site.
Upon getting positive feedback and a low price estimate, it’s possible that you found an insurer that will provide auto insurance coverage.
Can switching companies really save?
Auto insurance companies such as Progressive, Allstate and GEICO consistently run television and radio advertisements. They all seem to say the same thing about savings if you change to them. How do they all make almost identical claims?
All companies are able to cherry pick for the right customer that is profitable for them. For instance, a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and has excellent credit. Any new insured who matches those parameters will get the preferred rates and therefore will save when they switch companies.
Consumers who don’t qualify for the “perfect” profile will have to pay more money and ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That is how companies can make those claims. Because of the profiling, drivers must get quotes from several different companies. You cannot predict the company that will have the lowest rates.
To learn more about auto insurance in Texas
Even more information can be found at the Texas Department of Insurance website. Texas drivers can view agent and company licensing information, learn about insurance regulations, and file complaints about an insurance agent or broker.
Buy online or local, you save
When shopping online for auto insurance, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
We just covered a lot of tips how to compare auto insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with the least-expected company.
Consumers change insurance companies for a number of reasons such as poor customer service, denial of a claim, an unsatisfactory settlement offer or even questionable increases in premium. Whatever your reason, switching auto insurance companies can be easier than you think.