Are you drained from not being able to scrape enough together to pay your auto insurance bill each month? You are no different than the majority of other drivers in Texas. Insurance companies such as Allstate, Progressive and GEICO all promote huge savings with catchy ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.
It’s a good habit to shop coverage around as often as possible because auto insurance prices change quite often. Despite the fact that you may have had the best price on Challenger coverage two years ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.
The most recommended method to compare rates is to realize most insurance companies participate in online systems to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information such as the make and model of your vehicles, if you are currently licensed, deductibles desired, and how many miles driven. Your insurance information gets sent immediately to many of the top insurers and they respond with quotes immediately.
To check rates for your Dodge Challenger now, click here and enter your zip code.
Are you receiving every discount?
Auto insurance is not cheap nor is it fun to buy but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be manually applied before you will receive the discount. If they aren’t giving you every credit you deserve, you could be paying more than you need to.
- Telematics Data – Insureds that choose to allow their insurance company to analyze when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
- Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
- Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could earn lower auto insurancerates due to less chance of an accident.
- Anti-lock Brake Discount – Cars with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
- Military Discounts – Having a family member in the military could qualify you for better auto insurance rates.
- Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease on Challenger coverage but check with your company.
As a footnote on discounts, most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky.
A list of companies and a partial list of their discounts are outlined below.
- State Farm has discounts for good driver, defensive driving training, Drive Safe & Save, student away at school, and driver’s education.
- GEICO policyholders can earn discounts including multi-vehicle, federal employee, seat belt use, membership and employees, and defensive driver.
- Allstate discounts include senior citizen, 55 and retired, farm vehicle, early signing, and resident student.
- SAFECO offers discounts including anti-lock brakes, bundle discounts, drive less, homeowner, and multi-car.
- Farm Bureau may have discounts that include 55 and retired, youthful driver, driver training, multi-vehicle, and good student.
- Progressive has savings for online quote discount, multi-policy, online signing, continuous coverage, homeowner, good student, and multi-vehicle.
- AAA includes discounts for good driver, good student, pay-in-full, multi-car, multi-policy, and AAA membership discount.
When quoting, ask each company or agent which credits you are entitled to. Some discounts might not be offered in your state. If you would like to see a list of auto insurance companies that offer many of these discounts in Texas, click here.
More Texas auto insurance resources
Additional information can be found on the found here. Texas consumers can file complaints about an insurance agent or broker, read enforcement actions against agents and companies, and read state legal mandates and laws.
The following information may also be useful.