Expensive car insurance can dwindle your savings account and put the squeeze on your family’s finances. Comparison shopping is a smart way to slash your bill and have more diposable income.
You have multiple car insurance companies to buy insurance from, and even though it’s nice to have a choice, it can be more challenging to find the best rates for your vehicles.
It’s a good idea to price shop coverage yearly because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price for Impala coverage last year other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance online, so we’re going to give you a lot of great tips on how to find cheap car insurance.
Quick Texas Car Insurance Quotes
All the larger car insurance companies give coverage prices directly from their websites. Getting online rates is pretty easy as you just type in the coverage amounts you desire into the quote form. After you submit the form their rating system gets your credit score and driving record and generates pricing information. This helps simplify price comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to get better car insurance pricing.
Compare rates the easy way
A quicker way to find better car insurance pricing uses one simple form that gets price quotes from more than one company. It saves time, requires much less work on your part, and makes online price comparison a little more enjoyable. As soon as you send your information, your coverage is rated and you can choose any one of the quote results. If a lower price is quoted, you simply finish the application and purchase coverage. It just takes a couple of minutes and can result in significant savings.
In order to find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with the coverages exactly as shown on your declarations page. This guarantees you will have rate comparison quotes for exact coverage.
Don’t overlook these discounts
Auto insurance companies don’t always list every available discount in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find car insurance savings.
- Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Impala coverage than their less cautious counterparts.
- Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
- Drive Less and Save – Low mileage vehicles could be rewarded with a substantially lower rate.
- Defensive Driving Course – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
- Sign Online – Some insurance companies give back up to $50 just for signing your application over the internet.
- Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free car insurance policy, it doesn’t quite work that way.
For a list of providers with discount car insurance rates in Texas, click this link.
Additional consumer information websites
Even more information can be read at the Texas Department of Insurance website. Consumers can find out which companies have the most complaints, file complaints about an insurance agent or broker, learn about insurance regulations, and download brochures.
Also read more on this Car Insurance FAQ and J.D. Power and Associates Understanding your Auto Insurance Policy.