Feel like you’re a prisoner to an expensive auto insurance policy? Trust us when we tell you there are many people just like you. Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest cost out there.
Save money by taking advantage of discounts
Buying auto insurance is not cheap, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply when you get a quote, but some may not be applied and must be specially asked for before being credited.
- Defensive Driver – Taking time to complete a class that teaches defensive driver techniques could earn you a small percentage discount and easily recoup the cost of the course.
- Discount for Multiple Policies – If you can bundle your auto and home insurance and insure them both with the same insurance company you may earn up to 20% and get you .
- Discount for Home Ownership – Just owning your own home can save a few bucks because owning a home means you have a higher level of financial diligence.
- Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
- Telematics Data Discounts – Insureds that choose to allow driving data submission to track driving habits by installing a telematics device like Allstate’s Drivewise could see a rate decrease as long as they are good drivers.
- Lower Rates for Military – Being on active duty in the military could qualify you for better prices.
- Distant College Student Discount – Youth drivers living away from home attending college and leave their car at home could qualify for this discount.
- Air Bag Discount – Factory air bags or automatic seat belts could see savings up to 30%.
- Include Life Insurance and Save – Select insurance companies reward you with better prices if you take out life insurance.
- New Vehicle Savings – Insuring a vehicle that is new is cheaper compared to insuring an older model.
While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But any discount should help lower the cost of your policy.
A few of the larger companies and a partial list of their discounts are included below.
- GEICO discounts include five-year accident-free, federal employee, membership and employees, emergency military deployment, driver training, anti-theft, and anti-lock brakes.
- MetLife may offer discounts for good driver, defensive driver, claim-free, good student, multi-policy, accident-free
- Progressive may include discounts for online signing, good student, multi-vehicle, homeowner, and online quote discount.
- Travelers has savings for new car, save driver, driver training, hybrid/electric vehicle, and payment discounts.
- SAFECO may have discounts that include multi-car, teen safety rewards, bundle discounts, homeowner, and accident prevention training.
- AAA offers discounts including multi-policy, pay-in-full, AAA membership discount, anti-theft, good driver, and good student.
Before buying, ask all the companies what discounts are available to you. Some credits might not be offered everywhere. 
Many insurance companies give coverage prices direct online. Doing online price comparisons is easy for anyone as you simply enter your required coverages as requested by the quote form. When complete, their rating system automatically orders your driving record and credit report and provides a quote. This makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information can get tiresome after awhile. But it’s necessary to have as many quotes as possible in order to get better prices.
Quote rates the easy way
The quickest way to find cheaper rates requires only one form that gets price quotes from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much more enjoyable. As soon as the form is sent, it is rated and you are able to buy any of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It takes 15 minutes at the most and you will know how your current rates stack up.
To quickly find out what other companies charge, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you complete the form with your coverages just like they are on your policy. This helps ensure you will have rate quotes for similar coverage.
How much auto insurance do I need?
When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out if you could use an agent’s help.
- What are Texas no-fault laws?
- What happens if I owe more than my Chevy Tahoe is worth?
- Do I need medical payments coverage since I have good health insurance?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered if I drive in a foreign country?
- Am I covered if I crash into my own garage door?
- When would I need additional glass coverage?
- Where can I get insurance after a DUI in Texas?
- What is high-risk coverage and where do I buy it?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
A little work can save a LOT of money
As you , never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. Your strategy should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.
We’ve covered a lot of information how to lower your Chevy Tahoe insurance car insurance rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate or State Farm.