Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse.
Numerous car insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer and get the definite best rate
Smart consumers take time to take a look at other company’s rates periodically because rates are variable and change quite frequently. Just because you found the lowest rates for Town & Country coverage a year ago there is a good chance you can find better rates now. Starting now, ignore everything you know about auto insurance because you’re about to learn how to use online quotes to find better rates and still maintain coverage.
Don’t overlook these discounts
The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few must be specifically requested before being credited.
- Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
- Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
- Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for Town & Country coverage than drivers with accidents.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- No Claims – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
- Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiration. It can save you around 10%.
- Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
Keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.
To choose insurance companies with the best auto insurance discounts in Texas, follow this link.
Comprehensive Texas Auto Insurance Comparison
Shopping for lower auto insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You could spend your day talking to agents in your area, or you could use the web to get the quickest rates.
Many insurance companies belong to an insurance system where prospective buyers enter their coverage request one time, and every company then returns a price quote based on that data. This eliminates the need for quote requests to every company.
To compare pricing click here (opens in new window).
The one downside to using this type of form is that you can’t choose the providers you want to price. If you wish to select from a list of companies to compare prices, we have a page of auto insurance companies in Texas. View list of Texas insurance companies.
Whichever way you use, compare the exact same coverage limits and deductibles on every quote. If you compare differing limits you will not be able to determine which rate is truly the best. Just a small difference in insurance coverages can make a big difference in price. And when comparing auto insurance rates, know that more quotes gives you a better chance of getting the best offered rates.
One last thing about your coverage
In this article, we covered some good ideas how to lower your Chrysler Town & Country insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. These companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.
When buying insurance coverage, do not skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at a price you can afford.