Are you kicking yourself for buying an underperforming, overpriced car insurance policy? Believe me, there are many Dallas drivers thinking the same thing. You have so many auto insurance companies to purchase coverage from, and although it’s nice to have a choice, more options can take longer to compare rates.
Most companies make it easy to get price estimates on the web. Getting prices online is quite simple because you just enter the coverages you want as detailed in the form. Once you submit the form, the quote system pulls reports for credit and driving violations and gives you a price quote based on these factors. Quoting online helps simplify price comparisons, but the work required to visit a lot of sites and type in the same data can get tiresome after awhile. But it’s also necessary to have as many quotes as possible if you are searching for better prices.
Isn’t there an easier way to compare rates?
The quickest way to compare rates uses one simple form to obtain quotes from multiple companies. It’s a real time-saver, reduces the work, and makes online shopping much simpler. Immediately after submitting the form, it is rated and you can select any or none 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 takes 15 minutes at the most and can result in significant savings.
To use this form to compare rates, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you replicate the insurance coverages as shown on your current policy. Using the same limits helps guarantee you will have rate quotes for similar insurance coverage.
Lower rate quotes by getting discounts
Companies don’t necessarily list all disounts very well, so the following list contains a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you .
- Driver Training Discounts – Completing a safe driver course may get you a small discount if your company offers it.
- Claim-Free Discount – Insureds who avoid accidents and claims can save substantially when compared to frequent claim filers.
- Telematics Data – Drivers who elect to allow their car insurance company to monitor vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
- Homeowners Savings – Simply owning a home can save you money because it demonstrates responsibility.
- Senior Citizen Rates – Drivers over the age of 55 can get better car insurance rates on Sierra pickup coverage.
- Discounts for Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Sierra pickup coverage than less cautious drivers.
As a disclaimer on discounts, most credits do not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts should help lower the amount you pay for coverage.
Large car insurance companies and the discounts they provide can be read below.
- State Farm offers premium reductions for multiple policy, Steer Clear safe driver discount, defensive driving training, passive restraint, safe vehicle, anti-theft, and good driver.
- Progressive has discounts for good student, homeowner, online signing, multi-vehicle, and multi-policy.
- Travelers may have discounts that include hybrid/electric vehicle, payment discounts, new car, multi-car, continuous insurance, home ownership, and early quote.
- American Family may include discounts for TimeAway discount, mySafetyValet, Steer into Savings, defensive driver, early bird, and bundled insurance.
- Liberty Mutual includes discounts for multi-policy, new graduate, teen driver discount, newly retired, new vehicle discount, newly married, and good student.
It’s a good idea to ask each insurance company how many discounts you can get. Some credits might not apply in your area. To choose car insurance companies who offer cheap car insurance quotes in Texas, click here to view.
Additional car insurance links
Additional information is located on the website for the Texas Department of Insurance through this link. Texas consumers can report car insurance fraud, discover disciplinary actions, download brochures, and read enforcement actions against agents and companies.
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