Are you a victim of high-priced auto insurance? Believe me when I say you’re not alone. Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite cheapest price
If you are insured now or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. Finding the best rates is not rocket science. Texas drivers only need an understanding of the most effective way to get comparison quotes over the internet.
How to Compare Texas Auto Insurance Rates
There are several ways to shop for auto insurance, and some are less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you can utilize the web to get the quickest rates.
The majority of car insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and at least one company returns a rated price based on that information. This saves time by eliminating quote forms to each company.
To enter your information into the quoting system, click here to start a free quote.
The only downside to using this type of system is you don’t know exactly the providers you want to price. If you wish to select individual companies to compare rates, we have assembled a list of the cheapest auto insurance companies in Texas. Click here for list of insurance companies in Texas.
It’s up to you which method you use, but compare exactly the same coverage information on every quote you get. If each company quotes different limits and deductibles on each one it will be impossible to find the best deal for your Chevy Equinox.
Don’t miss these discounts
Car insurance can cost a lot, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be inquired about before you will receive the discount. If you don’t get every credit available, you’re paying more than you need to.
- No Accidents – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
- Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
- Multi-policy Discount – When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for lower rates on the low mileage vehicles.
- Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
- Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Equinox coverage.
- Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts up to 30%.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
It’s important to note that most credits do not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.
For a list of insurance companies offering auto insurance discounts in Texas, click this link.
When might I need help?
When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.
- Do I have coverage if my license is suspended?
- Where can I get insurance after a DUI in Texas?
- What can I do if my company won’t pay a claim?
- How can I get high-risk coverage after a DUI?
- Does liability extend to a camper or trailer?
- How much liability do I need to cover my assets?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Read more about Texas auto insurance
More information can be found on the website for the Texas Department of Insurance located here. Texas consumers can find out industry alerts, discover disciplinary actions, find out which companies have the most complaints, and learn about insurance regulations.