Are you drained from not being able to scrape enough together to pay your car insurance bill each month? You are no different than many other Texas consumers. Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.
Lower-cost Dallas car insurance rates with discounts
Car insurance is easily one of your largest bills, but there could be significant discounts that you may not know about. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be inquired about prior to getting the savings.
- Early Switch Discount – Some larger companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
- Driver Safety – Participating in a course in defensive driver could earn you a small percentage discount and easily recoup the cost of the course.
- Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
- No Claims – Good drivers with no accidents can save substantially in comparison with drivers who are more careless.
- Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
Discounts lower rates, but some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
Popular car insurance companies and a partial list of their discounts are shown below.
- Mercury Insurance includes discounts for ease of repair, professional/association, age of vehicle, annual mileage, and anti-theft.
- Farmers Insurance has savings for teen driver, early shopping, homeowner, alternative fuel, distant student, and business and professional.
- Farm Bureau may offer discounts for renewal discount, youthful driver, multi-vehicle, good student, driver training, and multi-policy.
- State Farm offers discounts for driver’s education, student away at school, Drive Safe & Save, multiple autos, and Steer Clear safe driver discount.
- Allstate discounts include teenSMART discount, 55 and retired, auto/life discount, new car, eSmart discount, and resident student.
- GEICO policyholders can earn discounts including good student, membership and employees, driver training, daytime running lights, military active duty, and anti-theft.
Check with every insurance company the best way to save money. Depending on the company, some discounts may not apply to policyholders in Dallas. If you would like to see a list of insurance companies that offer multiple discounts in Dallas, click this link.
Drivers who switch save $413 a year? Really?
Big name companies like Progressive, Allstate and GEICO constantly bombard you with television, radio, and online ads. All the ads seem to make the promise that drivers can save some big amount if you move your coverage. How can each company offer you a better deal?
Companies quote the lowest rates for the type of customer they prefer to insure. An example of a driver they prefer might be over the age of 35, owns a home, and has a short commute. A propective insured who fits those characteristics will probably get the lowest prices and most likely will pay quite a bit less when switching companies.
Insureds who do not match the requirements will get higher rates and the prospect going elsewhere. The ad wording is “drivers who switch” not “everyone who quotes” save money. This is how companies can state the savings. Because each company has a different risk profile, drivers should quote coverage with many companies. It is just not possible to predict which company will be your best fit.
Even more information can be found at the Texas Department of Insurance website. Consumers can view agent and company licensing information, report car insurance fraud, and read industry bulletins.
These articles may also be worth reading.
Lower rates by being persistent
Low-cost Buick LaCrosse insurance is possible from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies may not offer the ability to get quotes online and most of the time these small insurance companies work with local independent agents.
In this article, we presented quite a bit of information on how to get a better price on Buick LaCrosse insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies often have lower premium rates on specific markets than their larger competitors like Progressive or GEICO.