Have you had enough of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as many other drivers in Texas. Numerous insurers battle to insure your vehicles, so it can be very hard to choose a company to find the lowest price
If you have insurance now or are just looking to switch companies, you can use these tips to find better prices while maximizing coverage. Finding the best rates in Hurst is not rocket science. Texas consumers only need to know the most efficient way to buy auto insurance over the internet.
You probably qualify for some discounts
Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Most are applied when you complete an application, but some must be manually applied in order for you to get them. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Accident Waiver – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a set time period.
- Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
- Defensive Driver – Taking part in a driver safety course can save you 5% or more depending on where you live.
- Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
- Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
- Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
- Paperwork-free – Some insurance companies will give a small break just for signing your application digitally online.
- Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
- College Student – Children who are attending college without a vehicle on campus may qualify for this discount.
- Memberships – Being a member of a civic or occupational organization could trigger savings on your policy.
As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will cut your overall premium however.
To choose insurers with the best auto insurance discounts in Hurst, follow this link.
There’s no such thing as the perfect policy
When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.
- Do I really need UM/UIM coverage?
- Is my teen driver covered when they drive my company car?
- Am I getting all the discounts available?
- Do no-fault laws apply in Texas?
- What is the minimum liability in Texas?
- Does my policy cover me when driving someone else’s vehicle?
- Does my medical payments coverage pay my health insurance deductible?
- Do I need added coverage for expensive stereo equipment?
- Are there companies who specialize in insuring high-risk drivers?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Drivers who switch save $396 a year? Really?
Texas consumers can’t get away from ads for car insurance savings by companies like State Farm and Allstate. They all seem to have a common claim about savings if you move to them.
But how can every company make almost identical claims?
Insurance companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer might be over the age of 50, has no tickets, and chooses high deductibles. Any driver who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.
Consumers who don’t measure up to these standards will have to pay higher prices which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently claim big savings.
Because of the profiling, you should compare many company’s rates. You cannot predict which company will provide you with the cheapest rates.
Additional information is located on the website for the Texas Department of Insurance through this link. Consumers can read consumer alerts, view agent and company licensing information, and get help finding coverage.
Other informative sites include this online resource for auto insurance quotes in Texas and this list of agents in Hurst, TX.
Quote often and quote early
Throughout this article, we presented a lot of ways to save on auto insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with the least-expected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.
Cost effective auto insurance is definitely available online and also from your neighborhood Hurst agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.