Do you get exhausted from scraping the payment together each month for auto insurance? You’re in the same situation as the majority of other consumers in Texas. Because you have many options, it can be hard to find a more affordable insurance company.
Finding affordable coverage in San Antonio is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. But Texas consumers do need to know how insurance companies sell insurance online because it can help you find the best coverage.
You may qualify for discounts
Auto insurance companies do not list every policy discount very clearly, so we break down a few of the more common as well as the least known credits that you can use to lower your rates.
- Early Renewal Discounts – Select larger companies give a discount for signing up before your current coverage expires. It can save you around 10%.
- Organization Discounts – Affiliation with a qualifying organization is a simple method to lower premiums on your next renewal.
- Discount for Multiple Policies – If you can bundle your auto and home insurance with one insurance company you could earn a discount of up to 20% off your total premium.
- Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
- Life Insurance – Some insurance companies give a break if you buy a life insurance policy as well.
- Good Students Pay Less – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
- Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
- More Vehicles More Savings – Insuring multiple cars with the same auto insurance company may reduce the rate for each vehicle.
- Online Discount – Some of the larger companies provide a small discount for buying your policy on the web.
We need to note that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.
Some companies who might offer these benefits possibly include:
If you need lower rates, check with every insurance company which discounts they offer. Some credits may not be available in San Antonio. 
There’s no such thing as the perfect auto insurance policy
When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.
- Does my policy pay for OEM or aftermarket parts?
- Who is covered by my policy?
- How do I file an SR-22 for a DUI in Texas?
- Is my Buick Verano covered for flood damage?
- Do I need special endorsements for business use of my vehicle?
- Are split liability limits better than a combined single limit?
- Do no-fault laws apply in Texas?
- What are the best liability limits?
- Do I need rental car coverage?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Save 15 percent in 15 minutes? Is it for real?
Auto insurance providers like Allstate and Progressive consistently run television, radio, and online ads. They all state the claim about saving some big amount if you switch your policy. But how can every company charge you less for car insurance? Just pay attention to how they say it.
Companies have a preferred profile for the type of driver that earns them a profit. One example of a profitable customer might be over the age of 50, has no claims, and drives a vehicle with a low ISO rating. Any person that hits that “sweet spot” will get a cheap rate quote and will also save some money.
Drivers who fall outside this ideal profile will see higher premiums which translates to the customer buying from someone else. The ad wording is “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully lure you into getting a quote. Because of the profiling, you really should compare many company’s rates. You cannot predict which auto insurance company will have the best prices for your profile.
More Texas auto insurance information
Additional detailed information can be read at the Texas Department of Insurance website. Texas drivers can learn about insurance regulations, read consumer alerts, read enforcement actions against agents and companies, and find out industry alerts.
The articles below may also help you learn more about auto insurance in San Antonio
Quote often and quote early
We covered some good ideas how to compare Buick Verano insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from the least-expected company. Regional companies can often provide lower car insurance rates in certain areas compared to the large companies like Allstate and Progressive.
As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best possible price but still have enough coverage for asset protection.