Finding the lowest cost Garland car insurance on the internet can be difficult for consumers new to price shopping online. With so many insurers to choose from, how can consumers even start to compare every one to find the cheapest available price?
It’s a great practice to get comparison quotes yearly due to the fact that insurance rates change quite often. Even if you got the lowest rates a few years ago other companies may now be cheaper. There is too much inaccurate information about car insurance online, so with this article, you’re going to get some guaranteed methods to quit paying high car insurance rates.
Garland Car Insurance Quote Comparison
Performing a rate comparison can take hours if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day driving to insurance companies in Garland, or you can stay home and use online quotes to get rate comparisons in just a few minutes.
Most of the larger companies take part in a program where insurance shoppers complete one form, and every company provides a quote. This system prevents you from having to do quotation requests for every car insurance company.
To use this form to compare rates click here to start a free quote.
The one disadvantage to getting quotes like this is you are unable to specify which carriers you want pricing from. So if you want to choose specific insurance companies to compare rates, we put together a list of the cheapest car insurance companies in Texas. Click to view list.
It’s up to you which method you use, but be sure to compare exactly the same coverage limits for each comparison quote. If you are comparing higher or lower deductibles it will be very difficult to decipher which rate is best in Garland.
Cut your car insurance rates with discounts
The price of auto insurance can be rather high, but there could be available discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but some may not be applied and must be inquired about prior to getting the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.
- Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
- Sign Online – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
- Auto/Life Discount – Larger companies have a break if you buy life insurance.
- Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
- Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
- Multiple Cars – Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
Keep in mind that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will cut your premiums.
To choose insurers with discount car insurance rates in Garland, click here.
Why some people pay less for insurance in Garland
Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in big savings.
- No coverage gaps is important – Allowing your car insurance policy to lapse is a fast way to pay more for car insurance. Not only will you pay more, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may have to file a SR-22 with the Texas motor vehicle department to get your license reinstated.
- Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Young males are the most expensive to insure and thus pay the highest rates.
- Bad driving skills means higher rates – Even one speeding ticket can increase rates by twenty percent. Good drivers receive lower rates than people who have multiple driving citations. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.
- Big city or small town – Choosing to live in a small town can be a good thing when insuring your vehicles. Fewer people means fewer accidents and also fewer theft and vandalism claims. Drivers in populated Texas areas regularly have much more traffic to deal with and a longer drive to work. Higher commute times means more change of being in an accident.
- Performance influences rates – The make and model of the vehicle you are buying insurance for makes a significant difference in how high your rates are. The cheapest insurance rates are generally reserved for small economy passenger cars, but other factors influence the final cost greatly.
- Being married can save on car insurance – Getting married actually saves money when buying car insurance. Marriage usually means you are more mature and statistics show married drivers get in fewer accidents.
- The more you drive the more you pay – The more you drive every year the higher your rate. Most insurance companies apply a rate determined by how the vehicle is used. Cars that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your car insurance policy is showing the correct driver usage, because improper ratings can cost you money.
- Liability insurance protects assets – Liability insurance is the protection when you are found liable for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
But don’t I need an insurance agent?
Certain consumers prefer to buy from a licensed agent. Educated insurance agents can answer important questions and give you someone to call. One of the great benefits of getting online price quotes is the fact that you can find the lowest rates and still choose a local agent. And supporting local businesses is important particularly in Garland.
To help locate an agent, after submitting this quick form, the coverage information is submitted to insurance agents in Garland who will return price quotes for your insurance coverage. You won’t need to visit any agencies because quoted prices will be sent directly to your email. Now that’s easy!
What type of Garland insurance agency is right for you?
When searching for a reputable insurance agent or broker, there are two different agency structures that you can select. Garland agents can either be independent or captive. Both write coverage properly, but it’s worth learning the differences because it can impact buying decisions.
Independent Agents
Independent agents are not locked into one company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.
When shopping rates, we recommend you include price quotes from at least one independent agent for the best price selection.Most can insure with smaller companies which can save you money.
Shown below are independent insurance agencies in Garland that may be able to provide price quote information.
- Zamorano Insurance – 1750 Northwest Hwy – Garland, TX 75041 – (972) 270-3333
- Maners Agency Inc – 552 W Interstate 30 # 303 – Garland, TX 75043 – (214) 252-8595
- Direct General Ins Agency – 303 W Centerville Rd – Garland, TX 75041 – (214) 227-5187
- Timmerman Insurance Co – 629 W Centerville Rd – Garland, TX 75041 – (972) 278-4595
- Julie Carter Agency – 3200 Broadway Blvd # 170 – Garland, TX 75043 – (972) 278-3646
Agency Captives
These agents write business for a single company like State Farm or Allstate. They generally cannot provide prices from multiple companies so always compare other rates. Captive agencies are well schooled on the products they sell and that can be a competitive advantage. Consumers often purchase coverage from captives partially due to the prominence of the brand and solid financial strength.
Shown below are captive agents in Garland that are able to give price quote information.
- Allstate Insurance – 1949 E Centerville Rd # 4 – Garland, TX 75041 – (972) 271-5200
- Farmers Insurance Group – 3306 W Walnut St # 404 – Garland, TX 75042 – (972) 272-7398
- State Farm Insurance – 108 Walnut Plz – Garland, TX 75042 – (972) 272-4821
To view a complete directory of car insurance agents in Garland, visit this site.
Choosing a car insurance agent needs to be determined by more than just a low price. Here are some questions to ask:
- If you have an accident, will your rates go up?
- How long has their agency been open in Garland?
- Are they full-time agents?
- How much can you save by raising your physical damage deductibles?
- Does the agency have a good rating with the Better Business Bureau?
Upon receiving acceptable answers and an acceptable price quote, chances are good that you have found a car insurance agent that can provide car insurance coverage.
Additional information is available on the Texas Department of Insurance website located here. Texas drivers can discover disciplinary actions, read industry bulletins, find out which companies have the most complaints, and find out industry alerts.
Are car insurance companies telling the truth?
Texas consumers constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the ads say the same thing that you’ll save big if you move your coverage to them.
How do they all make almost identical claims? It’s all in the numbers.
Insurance companies have a certain “appetite” for the type of driver that makes them money. For example, a preferred risk might be profiled as over the age of 50, owns a home, and has great credit. A customer who matches those parameters will get the preferred rates and most likely will save when they switch companies.
Consumers who are not a match for the requirements must pay more money which usually ends up with business going elsewhere. The ads say “customers that switch” not “people who quote” save money. That is how insurance companies can advertise the way they do.
This illustrates why you absolutely need to quote coverage with many companies. It’s impossible to know which company will give you the biggest savings.
Compare but don’t skimp
You just read a lot of ways to lower your car insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the smaller companies.
Cheap car insurance can be purchased on the web as well as from independent agents in Garland, and you should compare price quotes from both in order to have the best chance of saving money. A few companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.
Consumers who switch companies do it for many reasons like denial of a claim, questionable increases in premium, high rates after DUI convictions and delays in paying claims. It doesn’t matter why you want to switch switching car insurance companies is easier than you think.