Finding lower premiums on Galveston auto insurance can be challenging for beginners to shopping for insurance online. Drivers have so many options that it can easily become a big hassle to find lower rates in Galveston.
You need to get comparison quotes once or twice a year because rates are rarely the same from one policy term to another. If you had the lowest rates on your last policy you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the right way to reduce your cost while improving coverage.
How to Get Cheap Auto Insurance in Galveston, TX
To find the best auto insurance prices, there are several ways of comparing rates from local in Galveston, TXauto insurance companies. The easiest way by far to compare insurance prices is to use the internet to compare rates. This is very easy and can be done using a couple different methods.
- The recommended way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing separate forms for every auto insurance company. One quote request will return price quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
- A more time consuming way to compare rate quotes requires you to visit each individual company website and fill out their own quote form. For instance, let’s say you want rates from Farmers, Allstate and GEICO. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
For a handy list of car insurance company links in Galveston, click here.
It’s up to you how you get prices quotes, just make darn sure you compare identical quote information with every price quote. If your comparisons have unequal deductibles or liability limits then you won’t be able to make an equal comparison in Galveston. Slightly different insurance coverages can result in a big premium difference. And when quoting auto insurance, remember that comparing a large number of companies will increase your chances of finding a better price.
Are you getting all your discounts?
Auto insurance companies don’t list all available discounts very well, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.
- Auto/Home Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off with select insurance companies.
- Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accidents.
- Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
- Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
- E-sign – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
It’s important to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.
Additional detailed information can be read at the Texas Department of Insurance website. Texas consumers can find out which companies have the most complaints, learn about insurance regulations, view agent and company licensing information, and file complaints about an insurance agent or broker.
Other informative sites include III.org’s auto insurance page and see this list of insurance agents in Galveston.
More quotes mean more savings
While you’re price shopping online, do not buy less coverage just to save a little money. There have been many situations where someone dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.
In this article, we presented many tips how you can reduce auto insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the most savings is with some of the smallest insurance companies.
Low-cost auto insurance is possible online and with local Galveston insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.