Searching for low-cost Orange auto insurance on the internet is rather challenging for consumers new to comparison shopping online. With a ridiculous number of insurers to choose from, how can consumers have a chance to compare the different rates to find the best available price?
It’s a great practice to get comparison quotes before your policy renews due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest price six months ago other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online, so by reading this article, you’re going to learn some great ideas on how to stop overpaying for insurance.
You probably qualify for some discounts
The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Most are applied when you complete an application, but a few must be requested specifically before they will apply.
- No Accidents – Drivers who don’t have accidents can earn big discounts compared to bad drivers.
- Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
- Life Insurance Discount – Larger companies have lower rates if you buy a life insurance policy as well.
- Homeowners Savings – Owning a home in Orange may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
- Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.
- Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
- Military Discounts – Being on active duty in the military could mean lower rates.
- Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
- College Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
- Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will cut your premiums.
When should I talk to an agent?
When it comes to choosing the best auto insurance coverage, there really is not a best way to insure your cars. Each situation is unique.
For instance, these questions may help you determine if your insurance needs would benefit from professional advice.
- Does my policy cover my teen driver if they drive my company car?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Do I pay less if my vehicle is kept in my garage?
- Is my vehicle covered for flood damage?
- Does liability extend to a camper or trailer?
- Why am I required to get a high-risk car insurance policy?
- What vehicles should carry emergency assistance coverage?
- Does my personal auto insurance policy cover using my vehicle for business use?
- What discounts do I qualify for?
- Can I afford to buy a different vehicle if my vehicle is totaled?
If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Can’t I compare rates from local Orange agents?
Certain consumers prefer to talk to a local agent and that is just fine! One of the best bonuses of comparing rates online is you can get lower rates but also keep your business local. Supporting local businesses is important particularly in Orange.
After filling out this quick form, the coverage information is emailed to agents in your area who will give you bids for your business. You don’t have to leave your computer as quotes are delivered directly to your email. Now that’s easy! It’s the lowest rates and a licensed agent to work with.
Two types of Orange insurance agencies
If you’re trying to find a reliable agent, you must know there are a couple different agency structures from which to choose. Agents can either be captive or independent.
Independent Agents
Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
When shopping rates, you should always get quotes from several independent insurance agents to get the best comparison. They also have the ability to place coverage with different regional companies which can be an advantage.
The following is a list of independent insurance agencies in Orange willing to provide comparison quotes.
- Trevco Insurance – Northway Shopping Ctr – Orange, TX 77630 – (409) 883-3111
- Orange Insurance – 1008 Green Ave – Orange, TX 77630 – (409) 883-3567
Captive Insurance Agents
Captive agents work for only one company such as American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. They are usually quite knowledgeable on the products they sell which can be an advantage. Some people will only choose to use a captive agent primarily because of the prominence of the brand and solid financial strength.
Below is a list of captive agencies in Orange willing to provide price quote information.
- Allstate Insurance – 3131 N 16th St – Orange, TX 77630 – (409) 883-5959
- Farmers Insurance Group – 312 Henrietta St – Orange, TX 77630 – (409) 883-2982
- State Farm Insurance – 2431 Martin Luther King Jr Dr – Orange, TX 77630 – (409) 883-0084
For a full directory of captive agents in Orange, go to this page.
Deciding on an auto insurance agent requires more thought than just a low price. Some important questions to ask are:
- Do they regularly work with personal auto policies?
- Will your rates increase after a single accident?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agency provide any after hours assistance?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agency have a good rating with the Better Business Bureau?
Once you have satisfactory answers to these questions and an acceptable price quote, chances are good that you have found an auto insurance agent that can properly service your auto insurance policy.
For more reading
More information is located on the Texas Department of Insurance website. Click here for link. Texas drivers can view a list of available companies, find a variety of consumer forms, report car insurance fraud, and find disaster information.
The following information may also be useful.
Final considerations
People switch companies for many reasons like high rates after DUI convictions, questionable increases in premium, extreme rates for teen drivers and even poor customer service. Regardless of your reason for switching companies, choosing a new company is actually quite simple.
Lower-priced auto insurance can be purchased on the web and with local Orange insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.
Throughout this article, we presented many ways to save on auto insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.