Feel like you’re a prisoner to overpriced car insurance? Trust us, there are many Texas consumers feeling the pinch from expensive car insurance. You have multiple insurers to pick from, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to compare company pricing.
You need to price shop coverage yearly because rates are rarely the same from one policy term to another. Even if you got the best rates for G1500 vandura Cargo van insurance a couple years back you can probably find a better price now. You can find a lot of misleading information regarding car insurance online but with this article, you’re going to get a bunch of ideas how to buy car insurance cheaper.
You probably qualify for some discounts
Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you deserve, you are throwing money away.
- Passive Restraints and Air Bags – Factory air bags can qualify for discounts up to 30%.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
- Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
- Homeowners Discount – Simply owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
- Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
- Accident Waiver – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
- Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Consumers should know that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.
Texas Car Insurance Prices Online
Finding lower car insurance rates doesn’t have to be difficult. You just need to invest a few minutes to compare rate quotes online with multiple companies. This is very easy and can be done in several different ways.
- The first (and easiest) way to find low rates would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating separate quote forms for every car insurance company. One simple form will get you rate comparisons direct from many companies.
- Another way to compare rate quotes requires you to visit each company’s website to complete a price quote. For examples sake, let’s say you want comparison quotes from State Farm, Farmers and Travelers. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.
It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits for each price quote. If your comparisons have different liability limits you can’t possibly decipher which rate is best.
Better coverage you can count on
As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price.
We’ve covered many ideas to shop for GMC G1500 Vandura Cargo Van insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.