Are you tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers in Texas.
You have so many insurance companies to purchase coverage from, and although it’s nice to be able to choose, so many choices can make it hard to compare company pricing.
How to Compare Auto Insurance in Plainview
Most companies give coverage prices on the web. Obtaining pricing is fairly simple as you simply enter your coverage information into the quote form. After you complete the form, the system sends out for information on your driving record and credit history and returns a price quote based on these and other factors. Online price quotes streamlines rate comparisons, but the time it takes to visit many different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to get many rate quotes if you are searching for lower prices.
There is a better way to compare rates
A less time-consuming method to find better auto insurance pricing is to use a quote form that gets prices from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes online price comparison a little more enjoyable. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any one of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.
To quickly compare rates now, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you input coverages and limits just like they are on your policy. This way, you’re receiving comparison quotes using the exact same coverages.
Learn How to Buy Auto Insurance Cheaper
Smart consumers have a good feel for the factors that go into determining your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.
- Where you live is a factor – Residing in a rural area is a positive aspect when insuring your vehicles. Fewer drivers means a lower chance of having an accident. City drivers regularly have more traffic problems and a longer drive to work. Higher commute times means higher likelihood of an accident.
- Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
- Poor credit can mean higher rates – Having a bad credit score is a important factor in determining what you pay for auto insurance. Therefore, if your credit is lower than you’d like, you could pay less to insure your by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit.
- Discounts for married couples – Having a wife or husband can get you a discount on auto insurance. Having a spouse means you’re more mature and responsible and statistics show being married results in fewer claims.
Verify you’re getting all your discounts
Auto insurance companies don’t always publicize all available discounts very clearly, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance.
- Low Mileage – Fewer annual miles can earn lower rates on the low mileage vehicles.
- Resident Student – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
- Early Signing – Some companies give discounts for signing up before your current policy expires. This can save 10% or more.
- Memberships – Participating in certain professional organizations could qualify you for a break when buying auto insurance.
- Bundle and Save – When you have multiple policies with one company you may save at least 10% off all policies.
- Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
- Safety Course Discount – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
- Accident Free – Good drivers with no accidents can save substantially compared to drivers who are more careless.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
To choose insurance companies offering auto insurance discounts in Texas, follow this link.
Do the work, save more money
We covered many ways to shop for auto insurance online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a small local company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest price, not the least amount of coverage.
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Texas consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and find disaster information.
Also read more on this page for auto insurance prices in Texas and this link which helps you find a Plainview agent.