Saving money on Flower Mound auto insurance is challenging for consumers not familiar with comparing rates online. Consumers have so many options available that it can turn into a challenge to find the best price in Flower Mound.
Compare Auto Insurance Today
To find the best auto insurance prices, there are several ways to compare rate quotes and find the best price. The best way to find the cheapest insurance rates consists of shopping online. This can be accomplished in a couple of different ways.
- The fastest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form eliminates the need for multiple quote forms for every auto insurance company. Completing one form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
- A more difficult way to get comparison quotes is to take the time to go to the website for each individual company and fill out their own quote form. For example, we’ll assume you want comparison quotes from Liberty Mutual, Esurance and Travelers. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.
For a list of links to companies insuring cars in Flower Mound, click here.
- The least efficient way to get comparison rates to and from local Flower Mound insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional guidance of a local Flower Mound agent. However, consumers can compare the best prices online but buy from a local insurance agent and you’ll learn how to do that later.
However you get your quotes, make darn sure you compare the exact same quote information for every quote you compare. If you use differing limits it will be impossible to find the best deal in Flower Mound. Quoting even small variations in coverages may result in a large different in cost. Keep in mind that comparing a large number of companies will improve the odds of getting a better price.
Is there truth in advertising?
Companies like Progressive, Allstate and GEICO regularly use ads on television and other media. All the ads say the same thing that you can save if you move to their company. How do they all make the same claim?
All the different companies have a certain “appetite” for the right customer that makes them money. For example, a desirable insured could possibly be a mature driver, has no prior claims, and has a high credit rating. Any new insured who fits that profile will get the preferred rates and as a result will probably pay quite a bit less when switching companies.
Potential insureds who fall outside this ideal profile will be charged higher rates and this can result in business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why companies can truthfully claim big savings. That is why it’s extremely important to compare as many rates as you can. It’s impossible to know which auto insurance company will give you the biggest savings.
These discounts can slash auto insurance rates
Auto insurance companies don’t list all available discounts in an easy-to-find place, so we break down some of the more common and the more hidden savings tricks you should be using.
- Resident Student – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount depending on your company.
- Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
- Payment Method – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.
Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
For a list of companies with discount auto insurance rates in Flower Mound, follow this link.
Are insurance agents a thing of the past?
A small number of people just want to buy from a local agent and that is a personal choice. The biggest benefit of getting online price quotes is you may find the best rates but also keep your business local.
After completing this simple form, the coverage information is immediately sent to local insurance agents in Flower Mound who will give you bids for your business. You won’t need to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier! It’s the lowest rates without the usual hassles of price shopping.
Deciding on a company shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:
- How long has their agency been in business in Flower Mound?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they review policy coverages at every renewal?
- Which insurance companies are they affiliated with?
- How many years of experience in personal lines insurance coverages do they have?
To contact a specific insurance agent in Flower Mound, please click here.
Once you have acceptable answers for all questions you ask and locked in a price quote, most likely you have located an insurance company that is a good match to provide auto insurance coverage.
Your personal situation dictates your coverage
When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.
For instance, these questions may help highlight whether you will benefit from professional help.
- How can I get high-risk coverage after a DUI?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Should I buy additional glass protection?
- How much liability coverage do I need in Texas?
- Can my teen driver be rated on a liability-only vehicle?
- Does my liability insurance cover pulling a trailer or camper?
- Why is insurance for a teen driver so high in Flower Mound?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.
Additional detailed information is available at the Texas Department of Insurance website. Texas drivers can view agent and company licensing information, read state legal mandates and laws, find a variety of consumer forms, and read enforcement actions against agents and companies.
Other informative sites include this link for Texas auto insurance quotes and this list of insurance agents in Flower Mound, TX.
The best insurance company isn’t always the cheapest
We just covered many ways to save on auto insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from an unexpected company.
People switch companies for many reasons like questionable increases in premium, extreme rates for teen drivers, policy cancellation or not issuing a premium refund. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.
Affordable auto insurance can be sourced from both online companies and also from your neighborhood Flower Mound agents, and you need to price shop both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.