Are you regretting buying overpriced car insurance? It’s a common feeling and there are many San Antonio drivers thinking the same thing. Companies like GEICO, Progressive and Allstate continually hit you with TV and radio ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.
If you are insured now or need new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage in San Antonio is not rocket science. Texas drivers just need to learn the proper way to find the lowest price online.
Most major insurance companies such as State Farm, Allstate and GEICO provide pricing from their websites. Comparing rates online is pretty painless because it’s just a matter of typing in your personal and coverage information into the quote form. Once entered, the quote system pulls your driving and credit reports and returns a price quote. This makes it simple to compare prices but having to visit a lot of sites and fill out multiple forms can get tiresome after awhile. But it’s very important to have as many quotes as possible if you want to get the lowest car insurance rates.
The better way to compare rates
A less time-consuming method to find better car insurance pricing uses one simple form that obtains quotes from a lot of companies. It saves time, requires much less work on your part, and makes online price comparison much more efficient. Once the form is submitted, your coverage is rated with multiple companies and you can pick any or none of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase the new policy. The whole process only takes a few minutes and could lower your rates considerably.
If you want to find out how much you can save on car insurance, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy the insurance coverages as shown on your current policy. This way, you are getting rate comparison quotes using the same coverage and limits.
Are auto insurance agents obsolete?
Some people would rather have an agent’s advice and doing that can be a smart decision Professional insurance agents can make sure you are properly covered and will help you if you have claims. The best thing about comparing insurance prices online is you can get the lowest rates and still choose a local agent.
For easy comparison, once you complete this short form, the quote information is transmitted to agents in your area that give free quotes for your car insurance coverage. It makes it easy because there is no need to find an agent because prices are sent straight to your inbox. In the event you want to get a rate quote from a specific car insurance provider, you just need to navigate to their website and give them your coverage information.
Picking an insurer should include more criteria than just the price. Any agent should have no problem answering these questions:
- Is the agent properly licensed in Texas?
- Which companies can they place coverage with?
- Is their price quote a firm figure or are their hidden costs?
- Do the companies they represent have a solid financial rating?
- Do they receive special compensation for putting your coverage with one company over another?
- Is auto insurance their primary focus?
If you prefer to buy car insurance from a reliable insurance agent, it helps to know the two types of agencies that you can select. Car insurance agencies are either independent or captive depending on the company they work for. Both can write policy coverage, but it’s important to know the difference in how they write coverage because it can factor into buying decisions.
Captive Car Insurance Agencies
These type of agents work for only one company like State Farm or Allstate. Captives cannot compare other company’s rates so they have no alternatives for high prices. These agents receive a lot of sales training on the products they sell which helps offset the inability to provide other markets.
Independent Car Insurance Agencies
Agents in the independent channel are not limited to a single company and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. If prices rise, your agent can just switch to a different company which makes it simple for you. When shopping rates, it’s a good idea to get some free quotes from multiple independent agents for the best price selection.
Once you have received good feedback to any questions you may have as well as a price you’re happy with, it’s a good possibility that you have found an insurance agency that is a good match to service your policy.
Even more information is available at the Texas Department of Insurance website. Texas drivers can find disaster information, get help finding coverage, discover disciplinary actions, and view a list of available companies.
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