Scraping up a payment for overpriced car insurance can overdraw your personal savings, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.
Big-name insurance companies like GEICO, Progressive and Allstate continually bombard you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.
You need to check car insurance prices quite often since rates are rarely the same from one policy term to another. If you had the best price on your last policy you can probably find a lower rate today. Starting right now, forget all the misinformation about car insurance because it’s time to teach you the best methods to save on car insurance.
If you are paying for car insurance now, you will be able to cut costs considerably using this information. Finding the best rates in White Settlement is not rocket science. Nevertheless, Texas car owners should learn how companies market insurance on the web because it can help you find the best coverage.
More discounts equal less premium
Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden ways to save on car insurance.
- Driver Safety – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
- Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off with certain companies.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
- Drive Less and Save – Fewer annual miles could qualify for a substantially lower rate.
- Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
- Student Driver Training – Require your teen driver to enroll in driver’s education in school.
- Life Insurance Discount – Some companies give a break if you buy life insurance.
Consumers should know that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.
For a list of insurance companies with the best car insurance discounts in Texas, click this link.
Comparison of Car Insurance in White Settlement
All major car insurance companies give coverage prices on the web. The process doesn’t take much effort as you simply type in the coverages you want as requested by the quote form. After the form is submitted, their rating system obtains information on your driving record and credit history and gives you a price quote based on these and other factors. Online price quotes helps simplify price comparisons, but the time it takes to visit many different websites and fill out multiple forms can be a bit repetitive. But it is imperative to perform this step in order to find the lowest possible prices on car insurance.
An easier way to get multiple rate quotes requires only one form that gets prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes price shopping online a lot less work. As soon as you send your information, it is quoted with multiple companies and you can pick any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process takes just a few minutes to complete and you will know how your current rates stack up.
To compare pricing, click here and submit your coverage information. If you have coverage now, it’s recommended you enter the coverage information identical to your current policy. Using the same limits helps guarantee you will get a rate comparison for the exact same coverage.
Smart Consumers Save More
It’s important that you understand the rating factors that come into play when calculating the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that will entitle you to big savings.
The list below includes a few of the “ingredients” car insurance companies consider when setting prices.
- Bump up deductibles to save – Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you have to pay, the lower your rates will be.
- Performance makes a difference – The type of car you own makes a big difference in the rate you pay. The cheapest insurance rates are generally reserved for economy passenger cars, but the cost you end up paying is determined by many additional factors.
- Poor driving leads to higher costs – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Even one citation can bump up the cost by twenty percent. Drivers with severe tickets like DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
- Protect yourself with liability coverage – Liability coverage provides coverage if you are found liable for damages from an accident. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
- Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women are in accidents in similar numbers, but the men cause more damage. Men also statistically get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high car insurance rates.
- Too many car insurance claims drive up costs – If you file claims often, you can expect either higher rates or even cancellation. Insurance companies in Texas provide discounts to people who do not file claims often. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
How do I know if I need professional advice?
When choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine if your situation would benefit from an agent’s advice.
- Does my policy cover me when driving someone else’s vehicle?
- Do all my vehicles need collision coverage?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Is my dog or cat covered if injured in an accident?
- Is business equipment covered while in my vehicle?
- Should I sign the liability waiver when renting a car?
- Should I have combined single limit or split liability limits?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
What if I want to buy from a local White Settlement agent?
Certain consumers prefer to sit down with an agent and that is just fine! The biggest benefit of getting online price quotes is that you can obtain the best rates and still choose a local agent.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is sent to insurance agents in White Settlement who will compete for your coverage. You don’t have to visit any agencies since price quotes are sent straight to your inbox. How cool is that?! You can find the lowest rates and work with a local agent.
Deciding on an provider needs to be determined by more than just the price. Any agent should be forthright in answering these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- If they are an independent agency, which companies do they recommend?
- Do they receive special compensation for putting your coverage with one company over another?
- Do the companies they represent have a solid financial rating?
- Which company do they place the most coverage with?
- Is the agent and/or agency licensed to do business in Texas?
- Are you getting all the discounts the company offers?
- What insurance companies do they work with?
The following is a short list of car insurance companies in White Settlement that can give you price quotes.
Don Day Insurance – 8713 White Settlement Rd, White Settlement, TX 76108 – (817) 367-3377
Farmers Insurance Group – 761 N Las Vegas Trl, White Settlement, TX 76108 – (817) 246-8450
Allstate Insurance – 308 Jim Wright Fwy N, White Settlement, TX 76108 – (817) 246-5549
Once you have satisfactory answers to any questions you have as well as a affordable price, you have narrowed it down to an insurer that meets your needs to provide car insurance coverage.
Cheaper insurance is a realistic goal
You just learned a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.
When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.
Low-cost car insurance can be sourced on the web and also from your neighborhood White Settlement agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and these small, regional companies work with independent agents.
For more reading
More tips and info about car insurance can be read at the Texas Department of Insurance website. Texas consumers can read state legal mandates and laws, find disaster information, and read enforcement actions against agents and companies.
Also read more on this site for rates in Texas and this page for help finding agents in White Settlement, TX.