Are you tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as the majority of other car owners in Texas.
Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.
You need to check car insurance prices occasionally because insurance rates change regularly. Even if you think you had the lowest price last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to lower your rates without sacrificing coverage.
If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Buying car insurance in Rowlett is not that difficult. But Texas car owners can benefit by having an understanding of the way companies sell online because it can help you find the best coverage.
Discounts are available to cut your rates
The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few need to be specifically requested before you get the savings.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Student in College – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- Accident Free – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
- Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
As a disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.
To choose insurance companies with discount car insurance rates in Rowlett, follow this link.
Comprehensive Car Insurance Comparison in Rowlett
Shopping for lower car insurance rates can take time and effort if you don’t understand the fastest way to get free quotes. You could spend your day talking to agents in Rowlett, or you can utilize online quoting to quickly compare rates.
Most of the larger companies enroll in a system where prospective buyers enter their policy data once, and every company then returns a price quote based on the submitted data. This system prevents you from having to do form submissions for every car insurance company.
To get comparison pricing now click here (opens in new window).
One minor caviat to using this type of system is you are unable to specify the insurers you want to price. If you prefer to choose from a list of companies for rate comparison, we have a listing of companies who write car insurance in Texas. Click here to view list.
However you get your quotes, compare identical coverages with every price quote. If you have differing limits it will be very difficult to find the best deal in Rowlett. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that getting more free quotes helps locate a better price.
Your coverage should be tailored to you
When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.
- Can my teen driver be rated on a liability-only vehicle?
- Do I need special endorsements for business use of my vehicle?
- Does my policy pay for OEM or aftermarket parts?
- Is my nanny covered when driving my vehicle?
- Does my medical payments coverage pay my health insurance deductible?
- What is the difference between comprehensive and collision coverage?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Cheaper insurance is a realistic goal
We’ve covered many ideas to shop for car insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the biggest savings come from the least-expected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
When you buy insurance online, you should never skimp on coverage in order to save money. In too many instances, an insured cut full coverage and learned later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.