Sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other drivers in Texas.
Insurance companies such as Allstate and Progressive promote their brand names with advertising and consumers find it hard to sift through the bull and find the best price available.
Discounts are available to cut your rates
Companies offering auto insurance do not list all their discounts in an easy-to-find place, so we researched some of the more common and the more hidden car insurance savings.
- Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums.
- Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.
- No Accidents – Good drivers with no accidents can earn big discounts compared to accident-prone drivers.
- Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
- Military Discounts – Having a family member in the military could be rewarded with lower premiums.
- Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
- Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
It’s important to note that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren’t that generous.
How to Compare Car Insurance in Saginaw
There are several ways to compare car insurance quotes, but one way is less time-consuming than others. You could waste time talking to insurance companies in Saginaw, or you can utilize online quoting to accomplish the same thing much quicker.
The majority of car insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and every company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions for each company.
To participate in this free quote system, click here to open in new window.
One minor caviat to pricing coverage this way is you don’t know exactly which providers you will receive quotes from. So if you prefer to choose from a list of companies to compare, we put together a list of companies who write car insurance in Texas. View list of Texas insurance companies.
It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits with every price quote. If each company quotes differing limits it’s impossible to truly determine the lowest rate in Saginaw. Having just a slight variation in coverage limits may cause a big price difference. It’s important to know that quoting more gives you a better chance of getting the best rates.
One last thing
Cheap car insurance is available on the web and with local Saginaw insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.