Learn How to Compare Ennis Car Insurance Like an Informed Consumer

Confused by the number of car insurance choices in Ennis? Lot’s of other consumers are too. People have so many companies to choose from that it can quickly become a lot of work to find the lowest price.

It’s important to do rate comparisons yearly since insurance rates change regularly. Even if you got the best rates on your last policy you may be paying too much now. There is a lot of wrong information about car insurance online but I’m going to show you some great ways to save money.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known ways to save on car insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Low Mileage Discounts – Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off depending on your company.
  • Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Homeowners Discount – Owning a house in Ennis may earn you a small savings because owning a home requires personal responsibility.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurers with the best car insurance discounts in Texas, click here.

Won’t my local insurance agent miss me?

A small number of people would rather sit down with an agent. Professional agents can answer important questions and help file insurance claims. One of the great benefits of price shopping on the web is you can get the lowest rates and still choose a local agent.save money concept

To make it easy to find an agent, after completing this short form, the quote information is submitted to insurance agents in Ennis who will battle for your coverage. You never need to leave your house because quoted prices will be sent immediately to your email address. How’s that for easy!

Picking an provider requires more thought than just a cheap price. Any agent should be forthright in answering these questions:

  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is working in the agency their full-time job?
  • Are claims handled at the agent’s location?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

If you want to select a specific agent in Ennis, please go to this site.

Once you have received positive feedback to any questions you have and a low price estimate, you may have just found a company that meets your needs to service your policy.

Even more information can be found at the Texas Department of Insurance website. Texas drivers can find out industry alerts, find disaster information, and learn about specific coverages.

Ennis Texas insurance ad

More quotes mean more savings

Drivers who switch companies do it for a number of reasons such as delays in paying claims, denial of a claim, high prices and poor customer service. No matter why you want to switch, finding a new company can be less work than you think.

We just covered a lot of ways to shop for car insurance online. The key concept to understand is the more you quote, the higher the chance of saving money. Drivers may discover the most savings is with a small local company.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your strategy should be to buy enough coverage at a price you can afford.