Feeling guilty for buying an expensive car insurance policy? Say no more because there are many people just like you. Multiple car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute best rate
You need to take a look at other company’s rates before your next renewal because insurance prices are usually higher with each renewal. Even if you think you had the best deal for ES 350 insurance two years ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to teach you the right way to save on car insurance.
Do you qualify for discounts?
Car insurance companies do not list every discount very well, so we took the time to find a few of the more common and the harder-to-find credits available to bring down your rates. If you’re not getting every credit you qualify for, you could be saving more on your car insurance.
- One Accident Forgiven – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO permit an accident without the usual rate increase as long as you don’t have any claims for a specific time period.
- Telematics Data – Austin drivers who agree to allow their insurance company to scrutinize their driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
- Defensive Driver Discount – Taking part in a driver safety class can save you 5% or more and easily recoup the cost of the course.
- Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts could see savings of up to 25% or more.
- Claim-Free Discount – Drivers with accident-free driving histories have much lower rates when compared to drivers who are more careless.
- Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for new vehicles.
Discounts save money, but please remember that some credits don’t apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.
Auto insurance companies that possibly offer most of the discounts above may include but are not limited to:
When getting a coverage quote, ask every insurance company which discounts you qualify for. All car insurance discounts may not apply to policyholders in Austin. If you would like to choose from a list of insurers who offer free car insurance quotes in Austin, click this link.
Some additional reading
More tips and info about car insurance is located at the Texas Department of Insurance website. Consumers can file complaints about an insurance agent or broker, learn about specific coverages, find disaster information, and view a list of available companies.
More related Austin car insurance information:
More quotes mean more savings
While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.
The cheapest Lexus ES 350 insurance can be purchased both online and with local Austin insurance agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies don’t offer the ability to get quotes online and these small, regional companies provide coverage only through local independent agencies.