I can’t think of anyone who likes paying for auto insurance, especially when they are paying too much. Having so many insurance providers from which to choose, it is hard for the average consumer to locate the best car insurance company.
Compare the Market for Auto Insurance in Texas
Most companies such as Allstate and Progressive quote insurance quotes online. The process is fairly simple as you just type in your required coverages as requested by the quote form. After the form is submitted, the company’s rating system will obtain your driving record and credit report and generates pricing information based on many factors. This makes it a lot easier to compare rates but having to visit multiple sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to do this in order to get the best price possible.
A less time-consuming method to locate the lowest prices uses one simple form that analyzes rates from several different companies. The form is fast, requires less work, and makes online quotes much simpler. Immediately after submitting the form, it gets priced and you can select any one of the pricing results. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.
To get comparison pricing now, click here and complete the simple form. To compare your current rates, we recommend you replicate the insurance coverages just like they are on your policy. Using the same limits helps guarantee you will have a fair comparison based on the exact same insurance coverage.
Lots of discounts mean lots of savings
Companies offering auto insurance don’t always advertise all available discounts very clearly, so we break down some of the more common and also the lesser-known discounts you could be receiving. If you’re not getting every credit possible, you are paying more than you should be.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
- Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.
- Government Employees – Simply working for the federal government can earn a discount up to 10% for Sebring insurance with a few auto insurance companies.
- Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
- Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
Keep in mind that some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren’t that generous.
Situations that might require an agent
When it comes to buying the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.
- Is a new car covered when I drive it off the dealer lot?
- When should my teen driver be added to my policy?
- I don’t drive much so do I pay less?
- What vehicles should carry emergency assistance coverage?
- Do no-fault laws apply in Texas?
- Why is insurance for a teen driver so high in Texas?
- Will my rates increase for filing one claim?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
More information about auto insurance
More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Consumers can find out industry alerts, read consumer alerts, and learn about insurance regulations.
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