No one in their right mind loves paying for car insurance, especially when they know they could get a better deal. Insurance companies such as GEICO and Progressive all claim big savings with ads and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.
It’s a good idea to do rate comparisons at least once a year because car insurance rates trend upward over time. Despite the fact that you may have had the best rate on Tahoe insurance two years ago you may be paying too much now. There is a lot of bad advice regarding car insurance online, but we’re going to give you some solid techniques on how to stop overpaying for insurance.
If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Finding the best rates in San Antonio is easy if you know what you’re doing. But Texas vehicle owners can benefit by having an understanding of how the larger insurance companies price online insurance and apply this information to your search.
Most larger insurance companies such as Progressive, Allstate and GEICO give insurance quotes on the web. Obtaining pricing is pretty easy because you just enter the coverage amounts you desire into the quote form. After you submit the form the quote system makes automated requests for your credit score and driving record and returns a price. Online price estimates makes comparing rates easy, but the process of having to visit several different sites and type in the same data is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible if you want to get a lower rate.
Keep reading for an easier way to compare prices
An easier way to locate the lowest prices uses just one form to obtain quotes from more than one company. The form is fast, requires much less work on your part, and makes price shopping online much easier to do. After sending your information, it is quoted with multiple companies and you can pick any of the pricing results.
If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It takes 15 minutes at the most and you’ll know if lower rates are available.
To find out how much you’re overpaying now, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you complete the form with as shown on your current policy. This makes sure you will be getting a price comparison using the same coverage and limits.
When should I discuss my situation with an agent?
When it comes to choosing coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you may require specific advice.
- Should I buy only the required Texas minimum liability coverage?
- Are my tools covered if they get stolen from my vehicle?
- Should I have combined single limit or split liability limits?
- Is my babysitter covered when using my vehicle?
- Is rental equipment covered for theft or damage?
- Should I put collision coverage on all my vehicles?
- What is the minimum liability in Texas?
- Does liability extend to a camper or trailer?
If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Can’t I compare prices from local San Antonio insurance agents?
Certain consumers just want to get advice from a local agent and that is not a bad decision One of the great benefits of comparing rates online is the fact that drivers can get cheap car insurance rates but still work with a licensed agent. Putting coverage with small agencies is important particularly in San Antonio.
By using this form (opens in new window), the coverage information is submitted to local insurance agents in San Antonio who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent to you. You can find the lowest rates without requiring a lot of work. If you have a need to compare prices from one company in particular, you would need to jump over to their website and fill out the quote form the provide.
Types of car insurance agents in San Antonio
When searching for a local San Antonio insurance agency, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Car insurance agents in San Antonio are categorized either independent agents or captive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent are appointed with more than one company and that gives them the ability to insure with any number of different companies and find you cheaper rates. If prices rise, they simply move the coverage in-house and the insured can keep the same agent. When shopping rates, you will want to get some free quotes from a couple of independent agencies in order to compare the most rates.
Captive Car Insurance Agents
Captive insurance agents write business for a single company and examples are American Family, State Farm, and Allstate. These agents are unable to compare rates from other companies so you need to shop around if the rates are high. These agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates.
Picking the best car insurance agent should depend on more than just the premium amount. Any good agent should know the answers to these questions.
- Are they in the agency full-time?
- Is the agency covered by Errors and Omissions coverage?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they reduce claim amounts on high mileage vehicles?
- How long have they worked with personal auto insurance coverage?
- Do they offer claims assistance after hours?
Additional information is located on the found here. Consumers can view a list of available companies, find disaster information, and read state legal mandates and laws.
More related San Antonio car insurance information: