I can’t think of anyone who looks forward to buying auto insurance, especially knowing the price is too high.
Online insurance companies like State Farm, GEICO and Farmers Insurance increase brand awareness with fancy advertisements and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.
If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Buying car insurance in Sachse is not that difficult. Nevertheless, Texas consumers must know the way insurance companies market on the web and apply this information to your search.
How to Get Auto Insurance in Sachse, TX
There are a lot of ways you can shop for auto insurance but some are easier and takes less work. You can waste a few hours (or days) driving to local insurance agents in Sachse, or you can utilize the internet to get pricing more quickly.
Many popular insurance companies participate in a marketplace where prospective buyers submit their information once, and at least one company returns a rated price based on the submitted data. This prevents consumers from doing quotation requests for each company.
To find out how much you’re overpaying now click here (opens in new window).
The single downside to using this type of form is you can’t choose the insurers to get quotes from. So if you prefer to pick specific providers to compare, we have a page of auto insurance companies in Texas. View list of Texas insurance companies.
Whichever method you choose, double check that you are using exactly the same coverage information for each comparison quote. If each company quotes different deductibles you will not be able to determine which rate is truly the best in Sachse. Quoting even small variations in coverage limits can mean a large discrepancy in price. It’s important to know that more quotes helps you find lower pricing.
Take advantage of discounts
Companies don’t always advertise all available discounts very well, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.
- Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
- Fewer Miles Equal More Savings – Keeping the miles down can earn a substantially lower rate.
- Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
- Claim Free – Claim-free drivers pay much less when compared with frequent claim filers.
- Accident Forgiveness – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
- Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
- Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
- Homeowners Savings – Owning a house in Sachse can help you save on auto insurance because owning a home demonstrates responsibility.
Keep in mind that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.
To see a list of providers who offer auto insurance discounts in Texas, click here.
Don’t I need to talk to an agent?
Some people would rather get advice from a local agent and that is a personal choice. The best thing about comparing insurance prices online is you may find better rates but also keep your business local.
To help locate an agent, after submitting this short form, the coverage information is instantly submitted to local insurance agents in Sachse who will return price quotes to get your business. You won’t need to leave your house because quoted prices will be sent immediately to your email address. How’s that for easy! It’s the lowest rates AND a local agent.
Choosing an insurer requires more thought than just the bottom line cost. Agents should be asked these questions:
- Are they properly licensed to sell insurance in Texas?
- Are they able to influence company decisions when a claim is filed?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Which insurance companies are they affiliated with?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Multiple types of insurance agents in Sachse
When looking for a reputable insurance agent or broker, you need to know there are two types of agencies from which to choose. Insurance agencies in Sachse are classified as either independent (non-captive) or captive.
Agency Captives
Captive agencies write business for a single company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Captives are very knowledgeable in insurance sales which helps them compete with independent agents.
The following is a list of captive insurance agents in Sachse who can help you get comparison quotes.
State Farm Insurance – 7210 Highway 78 – Sachse, TX 75048 – (972) 429-6670
Allstate Insurance – 5848 Highway 78 # 104 – Sachse, TX 75048 – (972) 530-7804
Independent Agencies or Brokers
Independent agents are not required to write business for one company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, it’s recommended you contact multiple independent agents for the best price selection.
Listed below are independent insurance agencies in Sachse that can give you price quote information.
Marquez Insurance – 6404 Highway 78 – Sachse, TX 75048 – (972) 495-4757
Terry Davis Insurance – 5634 Highway 78 # 110 – Sachse, TX 75048 – (972) 495-7944
For a full directory of Sachse insurance agents, view this link.
Once you have received good answers to your questions and a good coverage price, you’ve probably found an insurance agent that is a good match to service your policy.
Car insurance 101
Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as dental work, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Liability insurance
Liability insurance can cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability insurance covers claims like attorney fees, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but buy as much as you can afford. Texas requires minimum liability limits of 30,000/60,000/25,000 but you should consider buying higher limits.
Collision coverage
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your vehicle.
Because many people carry very low liability coverage limits (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Comprehensive coverage (or Other than Collision)
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, vandalism, hitting a deer and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Quote more, save more
Discount auto insurance can be bought on the web and with local Sachse insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.
As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.
Even more information is located at the Texas Department of Insurance website. Consumers can find a variety of consumer forms, read enforcement actions against agents and companies, report car insurance fraud, and learn about specific coverages.
Also read more on QuoteClickInsure.com and QuoteClickSave.com.