Strategies for Lowering Your Kerrville Car Insurance Rates

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, many Kerrville consumers feel financially strained by their car insurance policy. You have so many insurance companies to choose from, and although it’s a good thing to be able to choose, having more car insurance companies makes it harder to adequately compare rates.

Smart consumers take time to price shop coverage quite often since insurance rates go up and down regularly. Just because you had the best rates a year ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the web, but I’m going to show you some tested techniques to quit paying high car insurance rates.

Finding affordable coverage in Kerrville is quite easy. If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Texas drivers just need to understand the most effective way to get comparison quotes online.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that help determine car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

The following are a partial list of the pieces used by your company to calculate premiums.

  • Low deductibles can be expensive – The deductibles represent how much money you are required to spend in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you have to pay, the less your company will charge you for insurance.
  • Being married is a good thing – Having a spouse can get you a discount on your car insurance policy. Having a spouse usually means you are more mature and it’s proven that being married results in fewer claims.
  • Rate your vehicle for proper use – The more miles you rack up on your car each year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy shows how each vehicle is driven.
  • Equipment add-ons that lower car insurance rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.

Which Car Insurance is Cheapest in Kerrville, TX?

There are a variety of methods to compare car insurance quotes, and some are easier and takes less work. You could waste time discussing policy coverages with insurance companies in Kerrville, or you can stay home and use the web to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company can give them a price. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To find out how much you can save on car insurance click to open in new window.

The single downside to getting quotes like this is you are unable to specify which companies to get pricing from. If you wish to select specific providers to compare rates, we have a listing of car insurance companies in Texas. View list of Texas insurance companies.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverages for every quote you compare. If you are comparing higher or lower deductibles then you won’t be able to decipher which rate is best in Kerrville.

Discounts are great for lower rates

Auto insurance companies do not list every available discount in a way that’s easy to find, so we break down both well-publicized and the more hidden car insurance savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
  • Own a Home – Simply owning a home may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • No Accidents – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.save money image

Buying car insurance from a local agent

A small number of people would prefer to get advice from a local agent and that is a personal choice. Good agents can answer important questions and help submit paperwork. The best thing about price shopping on the web is you may find better rates and still choose a local agent.

Once you complete this simple form, the coverage information is instantly submitted to insurance agents in Kerrville who will battle to get your business. You don’t have to leave your house since price quotes are sent directly to your email. Now that’s easy!

Selecting a company needs to be determined by more than just the premium amount. Agents should be asked these questions:

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are claims handled at the agent’s location?
  • Who are their largest clients?
  • Will your rates increase after a single accident?
  • What insurance company do they write the most business with?
  • Do the companies they represent have a solid financial rating?

Pick the best car insurance agent in Kerrville for you

When looking for an insurance agent, there are two types of insurance agents that you can select. Agencies in Kerrville are categorized either independent or captive. Both types can do a good job, but it’s important to know how they are different because it can influence your agent selection.

Captive Insurance Agents

These agents can only write with one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so they have no alternatives for high prices. They receive extensive training on their company’s products which helps them compete with independent agents.

Shown below is a list of captive agents in Kerrville that can give you comparison quotes.

Farm Bureau Insurance – 1813 Junction Hwy – Kerrville, TX 78028 – (830) 895-2525
State Farm Insurance – 330 Junction Hwy # A – Kerrville, TX 78028 – (830) 896-1551

Independent Agents

Independent agencies are not required to write business for one company so they can insure your vehicles with lots of companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.

When searching for an agent, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.

Below are Kerrville independent agencies who can help you get comparison quotes.

Hinson Agency – 201 W Water St – Kerrville, TX 78028 – (830) 257-7262
American National Insurance Co – 1216 Sidney Baker St S # E – Kerrville, TX 78028 – (830) 257-5722
Hill Country Agency – 820 Main St # 200 – Kerrville, TX 78028 – (830) 896-3727
Joe Cook Agency – 327 Earl Garrett St # 110 – Kerrville, TX 78028 – (830) 896-1689
Best Insurances Svc – 1810 Junction Hwy # 108 – Kerrville, TX 78028 – (830) 895-4343

save money image

To view a complete directory of licensed insurance agents in Kerrville, please view this page.

After receiving positive feedback to your questions as well as a affordable price, most likely you have located a car insurance agent that will service your policy.

But I don’t know anything about car insurance

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out whether or not you could use an agent’s help.

  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • What are the financial responsibility laws in Texas?
  • Do I qualify for additional discounts?
  • Do all my vehicles need collision coverage?
  • Am I covered if I wreck a rental car?
  • Which companies will insure high-risk drivers?
  • Does my car insurance cover rental cars?
  • Do I need roadside assistance coverage?
  • If my vehicle is totaled, can I afford another vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Even more information is available at the Texas Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find a variety of consumer forms, and find out which companies have the most complaints.

Affordable insurance is out there

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

We’ve covered a lot of tips how to reduce car insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with some of the smallest insurance companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

Cheap car insurance is definitely available online and with local Kerrville insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.