I can’t think of a single person who cherishes buying car insurance, especially when their premiums are through the roof. Consumers have many auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more challenging to find the lowest cost provider.
Finding Car Insurance Deals in Euless
There are multiple methods to shop for car insurance, but one way is more efficient than others. You could spend the better part of a day talking to insurance agencies in Euless, or you could save time and use online quoting to get rates in a matter of minutes.
Many of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and each participating company can provide price quotes. This eliminates the need for quote requests to each company.
To participate in this free quote system, click here (opens in new window).
The only downside to using this type of form is you don’t know exactly which carriers you want pricing from. If you prefer to choose from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in Texas. View list of Texas insurance companies.
Whichever way you use, make darn sure you compare the exact same information with every price quote. If each company quotes different values for each quote it will be next to impossible to decipher which rate is best in Euless.
Discounts are great for lower rates
The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but a few must be asked about prior to getting the savings. If you aren’t receiving every discount you deserve, you are throwing money away.
- Homeowners Savings – Owning a home in Euless may earn you a small savings because maintaining a house requires personal responsibility.
- Senior Discount – Older drivers may qualify for a small decrease in premiums.
- Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts up to 30%.
- Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.
For a list of companies with discount car insurance rates in Texas, click here to view.
How to Lower your Car Insurance Rates
Smart consumers have a good feel for the factors that help determine the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.
The following are some of the items car insurance companies consider when setting your rates.
- Performance level impacts rates – The performance of the vehicle you are insuring makes a substantial difference in the rate you pay. Small economy passenger vehicles receive the most favorable rates, but the final cost of insurance is determined by many other factors.
- Small claims can cost you – Companies in Texas provide cheaper rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
- Marriage pays dividends – Being married can get you a discount on car insurance. Having a significant other translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
- Clean credit earns discounts – A driver’s credit rating is a big factor in calculating your car insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit rating can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
- Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women have accidents in similar numbers, but the men cause more damage. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young males tend to get in the most accidents and are penalized with high car insurance rates.
- Your car’s features help determine rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Are insurance agents a thing of the past?
A small number of people would rather talk to a local agent and that is OK! Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is the fact that you can find lower rates and still have an agent to talk to. Buying from local insurance agencies is definitely important in Euless.
Once you complete this simple form, your information gets sent to insurance agents in Euless who will compete for your business. You don’t have to drive around because quoted prices will be sent to your email. Now that’s easy!
Shown below is a list of auto insurance companies in Euless that may be able to provide comparison quotes.
Americhoice Insurance – 400 S Industrial Blvd, Euless, TX 76040 – (817) 571-1166
State Farm Insurance – 403 Huffman Dr, Euless, TX 76040 – (817) 267-2631
Nichols Lisa Insurance Agency – 150 Westpark Way # 370, Euless, TX 76040 – (817) 318-1890
Marvin Carrol Agency – 702 W Euless Blvd, Euless, TX 76040 – (817) 283-4141
Allstate Insurance Co – 400 Fuller Wiser Rd, Euless, TX 76039 – (817) 835-0261
Selecting a company requires more thought than just the premium amount. Some important questions to ask are:
- If you have an accident, will your rates go up?
- Is their price quote a firm figure or are their hidden costs?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they make recommendations based only on price?
- If they are an independent agency, which companies do they recommend?
- Which company do they place the most coverage with?
- Do the companies they represent have a solid financial rating?
- Can they give you a list of client referrals?
Upon receiving answers to your satisfaction to these questions and an affordable coverage quote, you may have just found an provider that meets your needs to insure your vehicles.
Your personal situation dictates your coverage
When it comes to choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether or not you might need professional guidance.
- Why does it cost so much to insure a teen driver in Euless?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Should I buy only the required Texas minimum liability coverage?
- Who is covered when they drive my vehicle?
- Should I put collision coverage on all my vehicles?
- Can I rate high risk drivers on liability-only vehicles?
- Should I rate my vehicle as pleasure use or commute?
- Are there companies who specialize in insuring high-risk drivers?
- Do I have any recourse if my insurance company denies a claim?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Much more information about car insurance in Texas is located on the website for the Texas Department of Insurance found here. Texas drivers can learn about insurance regulations, read state legal mandates and laws, and learn about specific coverages.
Is there truth in advertising?
Consumers in Texas constantly see and hear ads for cheaper car insurance by Allstate, GEICO and Progressive. All the ads say the same thing that you can save if you change to their company.
How does each company claim to save you money? This is how they do it.
All companies can use profiling for the type of customer that makes them money. An example of a profitable customer might be profiled as a mature driver, owns a home, and chooses high deductibles. A propective insured who matches those parameters will get the preferred rates and as a result will probably pay quite a bit less when switching companies.
Consumers who don’t measure up to these standards will be charged more money and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much. That is how companies can truthfully make those claims.
That is why you should quote coverage with many companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.
Summing up your car insurance search
As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
The cheapest car insurance is attainable on the web as well as from independent agents in Euless, so compare prices from both to have the best selection. Some insurance companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.
We covered quite a bit of information on how to save on car insurance. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. Consumers may even find the best prices are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.