Searching for cheap Abilene auto insurance over the internet may be impossible for consumers new to buying insurance on the web. With so many choices of companies in the marketplace, how can consumers effectively compare them all to find the cheapest available price?
Buying car insurance in Abilene is quite easy. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. But Texas consumers can benefit from knowing how companies price online insurance and take advantage of how the system works.
Free Abilene Auto Insurance Quotes
All major auto insurance companies provide pricing on their websites. The process is fairly straightforward as you just type in your personal and coverage information as detailed in the form. Upon sending the form, the system automatically orders your driving and credit reports and returns a price quote determined by many factors.
This makes comparing rates easy, but the time required to go to each company’s website and repetitively enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for better prices.
The easiest way to get multiple rate quotes uses one form to return rates from many companies. It saves time, requires less work, and makes online shopping much simpler. After your information is entered, your coverage is rated and you are able to buy 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 can be completed in a matter of minutes and you will know how your current rates stack up.
If you want to find out if lower rates are available, click here and enter your information. If you currently have coverage, we recommend you enter the coverages identical to your current policy. This ensures you’re receiving rate quotes based on similar coverages.
Do drivers who switch really save $421 a year?
Auto insurance providers like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. They all have a common claim that you’ll save big if you switch your policy. How can each company make almost identical claims? This is how they do it.
Insurance companies have a certain “appetite” for the driver that is profitable for them. For instance, a driver they prefer could possibly be a mature driver, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and therefore will save when switching.
Drivers who don’t qualify for these standards must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully advertise the way they do. This illustrates why drivers must get as many comparisons as possible. It’s impossible to know which auto insurance company will have the lowest rates.
Are you getting all your discounts?
Companies that sell car insurance don’t list all available discounts very well, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.
- Homeowners Discount – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
- Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
- Defensive Driver – Completing a course in driver safety can save you 5% or more if your company offers it.
- Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Life Insurance – Some companies give a break if you buy life insurance.
- Government Employees – Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
- Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
- Military Rewards – Having a family member in the military could mean lower rates.
- Sign Online – A few companies give back up to $50 simply for signing online.
Drivers should understand that most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.
To choose companies offering auto insurance discounts in Abilene, click here.
Are insurance agents obsolete?
A small number of people just want to get advice from a local agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.
By using this form (opens in new window), your coverage information is submitted to participating agents in Abilene who will give you bids for your insurance coverage. You never need to leave your computer as quotes are delivered straight to your inbox. How’s that for easy! You can find the lowest rates and a licensed agent to work with.
Selecting an insurance company requires more thought than just the bottom line cost. Here are some questions to ask:
- What insurance companies do they work with?
- Can they provide you with a list of referrals?
- Do they review policy coverages at every renewal?
- Will their companies depreciate repairs to your car based on the mileage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Who are their largest clients?
- If you are a high risk driver, do they have special markets for your coverage?
- Are claims handled at the agent’s location?
Do you need an independent or captive insurance agent?
If you’re trying to find an insurance agent, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Abilene can either be captive or independent (non-captive).
Agency Captives
Captive agents have only one company to place business with and examples are AAA, Allstate and State Farm. These agents are not able to place coverage with different providers so always compare other rates. Captive agencies receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Below are Abilene captive agencies that can give you price quotes.
- Allstate Insurance – 3127 S Danville Dr – Abilene, TX 79605 – (325) 695-5063
- Farmers Insurance Group – 149 N Willis St – Abilene, TX 79603 – (325) 673-7606
- Farm Bureau Insurance – 3301 N 3rd St # 115 – Abilene, TX 79603 – (325) 672-2225
- State Farm Insurance – 2534 Buffalo Gap Rd – Abilene, TX 79605 – (325) 692-2552
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, it’s a good idea to include at a minimum one independent agency for the best price selection. They often place coverage with lesser-known insurance companies which may provide better rates.
Below are Abilene independent agents that can give you price quote information.
- Prefferred General Agency – 4400 Buffalo Gap Rd – Abilene, TX 79606 – (325) 437-4350
- Jean Van Meter Insurance Exams – 2347 N 6th St # 1 – Abilene, TX 79603 – (325) 673-5643
- Western Surplus Lines Agency – 2 Village Dr # 300 – Abilene, TX 79606 – (325) 695-9820
- Woodmen Of The World Insurance – 209 S Pioneer Dr – Abilene, TX 79605 – (325) 690-9949
- Ron Wood Agency – 4400 Buffalo Gap Rd # 2100 – Abilene, TX 79606 – (325) 698-8968
To view a full list of Abilene insurance agents, go to this page.
After receiving answers to your satisfaction to all your questions and a low price estimate, you’ve probably found an auto insurance agent that can properly insure your vehicles.
Additional detailed information can be read at the Texas Department of Insurance website. Texas consumers can learn about specific coverages, view agent and company licensing information, find a variety of consumer forms, and read enforcement actions against agents and companies.
Do the work, save more money
Drivers switch companies for many reasons like high prices, being labeled a high risk driver, extreme rates for teen drivers or even policy non-renewal. Regardless of your reason, finding the right auto insurance provider is easier than you think.
While you’re price shopping online, never reduce needed coverages to save money. There have been many situations where drivers have reduced physical damage coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.
Affordable auto insurance is definitely available on the web and also from your neighborhood Abilene agents, and you should compare price quotes from both to have the best selection. A few companies may not provide online quoting and these small, regional companies work with independent agents.