Scraping up a payment for overpriced car insurance can empty your checking account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to tighten up your finances. Lots of insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute best price available.
It’s a good habit to get comparison quotes once or twice a year because rates are variable and change quite frequently. Even if you got the best rates on your last policy you can probably find a better price now. So forget all the misinformation about car insurance because you’re going to get a crash course in how to quote online to find lower rates on car insurance.
Comprehensive Car Insurance Comparison in Pearland, Texas
There are multiple methods to compare car insurance quotes, and some are less time-consuming than others. You can spend countless hours driving to agents in Pearland, or you could save time and use the web to maximize your effort.
Most of the best insurance companies participate in a marketplace where prospective buyers submit their information once, and at least one company can give them a price for coverage. This saves time by eliminating form submissions to each company.
To participate in this free quote system, click here (opens in new window).
The single downside to doing it this way is that you can’t choose which providers you want to price. So if you want to choose specific providers to compare prices, we have assembled a list of low cost car insurance companies in Texas. View list of Texas insurance companies.
However you get your quotes, double check that you are using exactly the same coverage limits and deductibles with every price quote. If you use unequal deductibles or liability limits you can’t possibly decipher which rate is best in Pearland.
Save money by taking advantage of these nine discounts
Companies don’t list all their discounts very well, so we break down both the well known and also the lesser-known car insurance savings. If you don’t get every credit you deserve, you’re just leaving money on the table.
- Homeowners Discount – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
- Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
- Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
- Student in College – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
- Low Mileage – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
- Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
- Drive Safe and Save – Insureds without accidents may save up to 50% more than less cautious drivers.
- E-sign – Some insurance companies give back up to $50 simply for signing digitally online.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% depending on your company.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, you’re out of luck.
For a list of providers offering car insurance discounts in Texas, click here to view.
What if I want to buy from a local Pearland agent?
Some consumers prefer to sit down with an agent and that is a personal choice. Insurance agents can answer important questions and give you peace of mind. The best thing about getting online price quotes is the fact that you can find better rates but still work with a licensed agent.
To make it easy to find an agent, after completing this quick form, the coverage information is submitted to participating agents in Pearland who will battle for your insurance coverage. You don’t have to leave your house since price quotes are sent to your email. How’s that for easy!
Selecting an insurance company requires more thought than just a low price. Any agent should have no problem answering these questions:
- What insurance companies do they recommend if they are an independent agent?
- Will your rates increase after a single accident?
- How many years of experience in personal lines insurance coverages do they have?
- Which members of your family are coverage by the policy?
- Does the agency support the community they serve?
- Is their price quote a firm figure or are their hidden costs?
- Do they feel the quoted coverages are adequate?
- What is the agency’s Better Business Bureau rating?
Listed below are Pearland auto insurance companies who can help you get price quotes.
Farmers Insurance Group – 2640 Broadway St # 112, Pearland, TX 77581 – (281) 412-5905
Fred Loya Insurance – 2016 N Main St, Pearland, TX 77581 – (281) 485-4449
Amco Auto Insurance – 1825 N Main St, Pearland, TX 77581 – (281) 412-9696
Jo Laird Agency – 3222 Regal Oaks Dr, Pearland, TX 77581 – (281) 485-2232
State Farm Insurance – 5517 Broadway St # D, Pearland, TX 77581 – (281) 485-5558
Allstate Insurance – 6302 Broadway St # 205, Pearland, TX 77581 – (281) 997-0008
Once you have received positive responses and a good coverage price, you have narrowed it down to a company that will properly service your car insurance policy.
How do I know if I need professional advice?
When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions can help discover if your situation might need professional guidance.
- Do I need PIP (personal injury protection) coverage in Texas?
- Is my vehicle covered for smoke damage?
- Should I drop comprehensive coverage on older vehicles?
- How many claims can I have before being cancelled?
- I don’t drive much so do I pay less?
- Why am I required to get a high-risk car insurance policy?
- Should I file a claim if it’s only slightly more than my deductible?
- Is my babysitter covered when using my vehicle?
- How high should my medical payments coverage be?
- Does having multiple vehicles earn me a discount?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Texas drivers can find disaster information, find a variety of consumer forms, and get help finding coverage.
Coverages available on your car insurance policy
Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.
Comprehensive insurance
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, rock chips in glass, damage from a tornado or hurricane, vandalism and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Liability coverages
Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims like medical expenses, bail bonds, attorney fees, pain and suffering and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. Texas requires minimum liability limits of 30,000/60,000/25,000 but you should consider buying better liability coverage.
Collision protection
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like damaging your car on a curb, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your vehicle.
Because many people only carry the minimum required liability limits (30/60/25 in Texas), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, hospital visits and surgery. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
In the end, you save
When you buy insurance online, you should never buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits only to discover later that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
Cheap car insurance is attainable from both online companies in addition to many Pearland insurance agents, so compare prices from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.