Purchasing the lowest cost Cleburne auto insurance online is rather challenging for people who are new to shopping for insurance online. Since there are so many online companies available, how can Cleburne drivers possibly compare them all to find the best pricing?
Smart consumers take time to do rate comparisons on a regular basis since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on your last policy a different company probably has better rates today. So just block out anything you think you know about auto insurance because you’re going to get a crash course in the things you must know in order to save money, get proper coverage and the best rates.
Automobile Insurance Quotes in Cleburne, TX
To find the best auto insurance prices, there are several ways to compare rate quotes and find the best price. The best way to find the cheapest insurance rates consists of shopping online. This can be done in a couple of different ways.
The recommended way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for separate quote forms for each company. One simple form will get you rate comparisons . This is by far the quickest method.
A more difficult way to get comparison quotes requires a visit to the website of each company to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from Auto-Owners, GEICO and State Farm. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular.
For a handy list of car insurance company links in Cleburne, click here.
The least efficient method to compare rates is to spend time driving to and from local Cleburne insurance agencies. The internet eliminates the need for an insurance agent unless you require the professional advice only provided by licensed Cleburne agents. It is possible to obtain prices from the web but buy from a local insurance agent and we’ll talk about that later.
It’s up to you which method you use, but be sure to compare identical coverages on every quote you get. If your comparisons have different values for each quote you can’t possibly determine the best price in Cleburne. Quoting even small variations in insurance coverages may cause a big price difference. And when comparison shopping, comparing more company’s prices provides better odds of finding the best rates.
These seven discounts can slash auto insurance rates
Companies offering auto insurance do not advertise all available discounts very well, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.
- Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
- Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
- Paperless Signup – Certain companies will give a small break simply for signing on their website.
- Resident Student – Youth drivers who live away from home and don’t have a car may be able to be covered for less.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
- Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
Keep in mind that many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.
What if I want to buy from a local Cleburne agent?
Some consumers prefer to get advice from a local agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to.
After completing this short form, your information is transmitted to participating agents in Cleburne who will return price quotes for your business. You never need to drive around since price quotes are sent immediately to your email address. How’s that for easy! Get lower rates without the usual hassles of price shopping.
Selecting an insurance company requires more thought than just the price. Any agent should be forthright in answering these questions:
- Do they receive special compensation for putting your coverage with one company over another?
- Do they regularly work with personal auto policies?
- Can glass repairs be made at your home?
- Do they assist clients in filing claims?
- Who is covered by the car insurance policy?
- What insurance companies do they work with?
Pick the best auto insurance agent in Cleburne for you
If you’re trying to find local Cleburne agents, there are a couple of different types of agents from which to choose. Insurance agencies in Cleburne are either captive or independent (non-captive).
Captive Agents
These agents write business for a single company and some examples include American Family, Liberty Mutual and AAA. They are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent mainly due to loyalty to the company and solid financial strength.
Shown below are Cleburne captive agents that can give you price quotes.
- Allstate Insurance – 400 N Ridgeway Dr – Cleburne, TX 76033 – (817) 641-3306
- Farm Bureau Insurance – 2307 Weatherford Hwy – Cleburne, TX 76033 – (817) 558-2848
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company but rather can write business with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When searching for an agent, we recommend you include price quotes from at least one independent agent to get the best comparison.Many can place coverage with different regional companies which can be an advantage.
Listed below is a list of independent agencies in Cleburne that can give you comparison quotes.
- Jim Moreno Agency – 1644 W Henderson St – Cleburne, TX 76033 – (817) 641-2569
- Farm Bureau Insurance – 2307 Weatherford Hwy – Cleburne, TX 76033 – (817) 558-2848
- Weston Insurance – 1200 W Henderson St # E – Cleburne, TX 76033 – (817) 774-9998
To view a full list of Cleburne insurance agents, please go to this site.
After getting good answers to all your questions and an acceptable price quote, you’ve probably found a car insurance agent that is a good match to provide auto insurance coverage.
More tips and info about auto insurance can be found at the Texas Department of Insurance website. Texas consumers can find out industry alerts, find disaster information, read enforcement actions against agents and companies, and get help finding coverage.
Car insurance coverage information
Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.
Medical expense coverage – Med pay and PIP coverage pay for bills such as prosthetic devices, ambulance fees and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Collision coverage – Collision insurance covers damage to your vehicle caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as rolling your car, colliding with a tree, crashing into a building, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.
Uninsured or underinsured coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your vehicle.
Due to the fact that many Texas drivers carry very low liability coverage limits (Texas limits are 30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane, falling objects, rock chips in glass and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Auto liability insurance – This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.
Liability can pay for things such as medical services, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. Texas requires drivers to carry at least 30,000/60,000/25,000 but you should think about purchasing more liability than the minimum.
Do the work, save more money
Cheaper auto insurance is attainable both online as well as from independent agents in Cleburne, so compare prices from both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.
In this article, we covered a lot of ways to lower your auto insurance rates. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest premiums are with some of the lesser-known companies.
As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured dropped collision coverage only to regret that they should have had better coverage. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.