Tired of not being able to afford to pay your car insurance bill each month? You are no different than many other drivers in Texas.
Since consumers have many companies and agents to choose from, it’s nearly impossible to pick the most affordable insurance company.
Smart consumers take time to shop coverage around before your policy renews because insurance rates are constantly changing. If you had the best deal last year you may be paying too much now. There is a lot of wrong information about auto insurance online but by reading this article, you’re going to learn some great ways to find affordable auto insurance.
Comprehensive Angleton Auto Insurance Comparison
Shopping for lower auto insurance rates can take hours if you don’t know the most efficient way. You can spend countless hours driving to agents in Angleton, or you could use the internet to get rates in a matter of minutes.
Many popular insurance companies belong to a marketplace where insurance shoppers send in one quote, and each company returns a competitive quote for coverage. This system prevents you from having to do quote forms for each company.
To get comparison pricing now click here to start a free quote.
The single downside to getting quotes like this is you can’t choose the insurers you want pricing from. If you wish to select from a list of companies for rate comparison, we have assembled a list of auto insurance companies in Texas. Click here to view list.
However you get your quotes, make absolute certain that you use identical coverages and limits for every company. If you use different limits and deductibles on each one it will be impossible to determine the lowest rate in Angleton. Quoting even small variations in coverages may result in large price differences. Just keep in mind that obtaining a wide range of quotes helps you find the best price.
Are auto insurance companies telling the truth?
Allstate and Progressive consistently run ads on television and other media. All the companies make the same claim of big savings if you change to them. How do they all claim to save you money?
Insurance companies can use profiling for the driver that earns them a profit. An example of a driver they prefer might be over the age of 40, has no tickets, and has excellent credit. Any new insured who fits that profile receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.
Consumers who fall outside the “perfect” profile must pay higher prices which leads to the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can state the savings. This illustrates why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which auto insurance company will provide you with the cheapest rates.
Rate influencing factors
It’s important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.
- Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates.
- Multi-policy discounts can save money – Most auto insurance companies will give a discount to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
- High deductibles save money – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you have to pay, the less your auto insurance will be.
- Better credit means lower rates – A driver’s credit history is a important factor in calculating your auto insurance rates. So if your credit rating is not that good, you could save money insuring your by repairing your credit. People with high credit scores tend to be more responsible than drivers with lower credit scores.
Companies offer discounts so take them!
Car insurance companies do not advertise all their discounts in an easy-to-find place, so we researched some of the more common as well as the least known savings tricks you should be using.
- Multi-policy Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
- Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
- Club Memberships – Participating in a qualifying organization is a good way to get lower rates when buying auto insurance.
- Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.
- No Charge for an Accident – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
- Military Discounts – Having a deployed family member may qualify for rate reductions.
- Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.
For a list of companies who offer auto insurance discounts in Texas, click here to view.
Do I just need basic coverages?
When it comes to choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might help in determining if you could use an agent’s help.
- Does my insurance cover damage caused when ticketed for reckless driving?
- I don’t drive much so do I pay less?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Does my vehicle qualify for pleasure use?
- Should I file a claim if it’s only slightly more than my deductible?
- When would I need additional glass coverage?
- When should my teen driver be added to my policy?
- What is the minimum liability in Texas?
- Is my vehicle covered by my employer’s policy when using it for work?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
In Summary
Cheap auto insurance can be sourced both online in addition to many Angleton insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
You just learned a lot of ways to shop for auto insurance online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier. Some small companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.
More tips and info about auto insurance can be read at the Texas Department of Insurance website. Visitors are able to read state legal mandates and laws, find disaster information, and read industry bulletins.