Learn How to Lower Your Premiums for Temple, TX Car Insurance

If price shopping car insurance online is new to you, it’s easy to be confused by the large number of car insurance companies selling insurance in Temple.

Compare the Market for Car Insurance in Temple

There are a lot of ways to compare car insurance prices and some are less labor-intensive and much quicker. You could waste time talking to insurance agencies in Temple, or you can utilize the web to accomplish the same thing much quicker.

All the larger companies enroll in a system that allows shoppers to submit their information once, and each company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions to every company.

To submit your quote information now, click to open in new window.

The one downside to doing it this way is you are unable to specify which insurance companies to get quotes from. If you wish to select individual companies for rate comparison, we put together a list of car insurance companies in Texas. Click to view list.

Whichever method you choose, compare identical coverage information for each comparison quote. If you have unequal deductibles or liability limits then you won’t be able to find the best deal in Temple. Quoting even small variations in coverages may result in large price differences. And when quoting car insurance, remember that having more price comparisons provides better odds of finding a better price.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim about savings if you move your coverage to them. But how can every company make almost identical claims?

All the different companies can use profiling for the type of customer that makes them money. A good example of a desirable insured could be over the age of 40, is a homeowner, and has a high credit rating. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who fall outside the “perfect” profile must pay a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save money. That is how companies can make the claims of big savings.Temple insurance cheap

This illustrates why drivers must compare many company’s rates. It’s just too difficult to predict which company will fit your personal profile best.

Temple Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that help determine the price you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

The following are some of the items companies use to determine premiums.

  • Tickets mean higher rates – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Even a single ticket can bump up the cost by as much as thirty percent. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Consolidate policies to earn discounts – Most insurers will award you with lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Younger drivers pay higher rates – More mature drivers are more cautious drivers, file fewer claims and get fewer tickets. Youthful drivers tend to be careless and easily distracted when driving therefore car insurance rates are much higher.
  • Policy add-ons can waste money – There are quite a few add-on coverages you can purchase when buying car insurance. Insurance for rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem like a good idea initially, but if they’re wasting money eliminate the coverages to reduce your premium.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked for in order for you to get them.

  • Military Discounts – Being on active duty in the military could mean lower rates.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates on car insurance.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.

Keep in mind that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

To choose insurers who offer car insurance discounts in Temple, click this link.

When should I talk to an agent?

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Am I covered when pulling a rental trailer?
  • When would I need rental car insurance?
  • Is my vehicle covered for flood damage?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is rental equipment covered for theft or damage?
  • Does my vehicle need full coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Temple insurance cheap

Final thoughts

People change insurance companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, denial of a claim and even unfair underwriting practices. It doesn’t matter what your reason, finding a new company is easier than you think.

The cheapest car insurance can be found from both online companies in addition to many Temple insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best price.

To learn even more about car insurance

Additional car insurance information is available on the Texas Department of Insurance website found here. Texas drivers can find out industry alerts, view agent and company licensing information, file complaints about an insurance agent or broker, and view a list of available companies.

Other useful links include this Car Insurance FAQ and see this list of insurance agents in Temple.