Having to pay for overpriced car insurance can overdraw your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.
With so many different company options, it is very difficult to pick the most affordable provider.
Consumers should take time to price shop coverage yearly since insurance rates change frequently. Just because you found the best deal two years ago other companies may now be cheaper. You can find a lot of wrong information about car insurance online, so by reading this article, you’re going to learn some tested techniques to save money.
Vehicle Insurance Comparison
Comparing car insurance rates can take hours if you don’t know the most efficient way to do it. You can waste a few hours (or days) driving to local insurance agents in San Marcos, or you could use the web to quickly compare rates.
Many popular insurance companies enroll in a system where prospective buyers enter their policy data once, and each participating company can provide price quotes based on that data. This prevents consumers from doing quote requests for each company you want a rate for.
To fill out one form to compare multiple rates now click here (opens in new window).
The only drawback to doing it this way is you can’t choose the providers to receive prices from. If you prefer to choose specific providers to request quotes from, we have assembled a list of companies who write car insurance in Texas. Click here to view list.
It’s up to you which method you use, but compare the exact same coverage limits for each comparison quote. If you enter different values for each quote it will be very difficult to determine the best price in San Marcos. Slightly different limits can mean a large discrepancy in price. Just remember that more quotes helps locate a better price.
Are you getting all your discounts?
Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be requested specifically before they will apply.
- Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more than less cautious drivers.
- Air Bag Discount – Factory air bags may earn rate discounts of up to 25% or more.
- Drive Less and Save – Fewer annual miles could qualify for discounted rates on garaged vehicles.
- Homeowners Pay Less – Owning a home in San Marcos may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
- New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
- College Student – Children who live away from home and do not have a car may be able to be covered for less.
- Save over 55 – Mature drivers may qualify for a discount up to 10%.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
- Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
It’s important to note that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. But all discounts will help reduce the amount you have to pay.
To choose insurance companies who offer car insurance discounts in Texas, click here.
When might I need an agent?
When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.
- Am I covered when using my vehicle for business?
- Am I covered when delivering products for my home-based business?
- Do I need added coverage for expensive stereo equipment?
- What can I do if my company won’t pay a claim?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Can I get a multi-policy discount for packaging my home and auto coverage?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Additional information can be found on the website for the Texas Department of Insurance found here. Texas drivers can find out industry alerts, find disaster information, and discover disciplinary actions.