Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you’re not alone. Because there are so many different company options, it’s nearly impossible to pick the best insurer.
It is always a good idea to check car insurance prices before your policy renews because prices tend to go up over time. If you had the lowest price on your last policy you may be paying too much now. You’ll find quite a bit of inaccurate information about car insurance online but we’re going to give you some guaranteed methods to find cheap car insurance.
Shopping for cheaper car insurance in Conroe is simple if you know the tricks. If you have a current car insurance policy or are looking for a new policy, you can follow these tips to cut your premiums while maximizing coverage. Texas drivers only need an understanding of the best way to get comparison quotes online.
Compare the Market for Car Insurance in Conroe, Texas
Comparing car insurance rates can take time and effort if you don’t utilize the best way to get rate quotes. You could waste time driving to local insurance agents in Conroe, or you could use online quoting to accomplish the same thing much quicker.
Most major companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company provides a quote based on that information. This system prevents you from having to do form submissions to each individual car insurance company.
To use this form to compare rates click here to start a free quote.
The only drawback to pricing coverage this way is that consumers can’t choose which insurance companies you want pricing from. If you wish to select specific providers for rate comparison, we have assembled a list of low cost car insurance companies in Texas. Click to view list.
However you get your quotes, double check that you are using identical coverages with each company. If you use higher or lower deductibles then you won’t be able to determine which rate is truly the best in Conroe.
Don’t miss out on these money-saving discounts
Insurance can be prohibitively expensive, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
- Homeowners Savings – Owning a home in Conroe can save you money due to the fact that maintaining a home requires personal responsibility.
- Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
- Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accidents.
- Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
- Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
- Accident Waiver – Certain companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
- Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
- Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
A little note about advertised discounts, most discount credits are not given the the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will reduce your premiums.
For a list of providers with discount car insurance rates in Conroe, click here.
Why some people pay less for insurance in Conroe
Consumers need to have an understanding of some of the elements that go into determining the price you pay for car insurance. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.
- Pleasure use saves money – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage can get a lower rate than those used for commuting. Make sure your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
- Equipment add-ons that lower car insurance rates – Driving a car with an alarm system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
- Small claims can cost you – Companies in Texas give better rates to policyholders who do not file claims often. If you file claims often, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for larger claims.
- Always keep insurance in force – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
- Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
- Older drivers pay less – Teenage drivers in Texas have a tendency to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
More information is located on the website for the Texas Department of Insurance located here. Texas consumers can learn about insurance regulations, read enforcement actions against agents and companies, and find disaster information.
Additional helpful sites include this site for car insurance information in Texas and this page where you can also get Conroe car insurance quotes.
Switch companies and save? Really?
Consumers in Texas can’t ignore all the ads for car insurance savings by companies like State Farm, GEICO and Progressive. They all seem to have a common claim that you can save if you switch to them.
How can each company claim to save you money?
All the different companies can use profiling for the type of customer that earns them a profit. A good example of a preferred risk might be between the ages of 40 and 55, has no driving citations, and has great credit. A customer who fits that profile will get very good rates and most likely will save when switching.
Potential insureds who don’t qualify for these standards will be charged higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” save money. That’s why companies can make the claims of big savings.
That is why it’s extremely important to compare as many rates as you can. It is impossible to predict which company will fit your personal profile best.
Shop smart and save
You just read quite a bit of information on how to reduce car insurance prices online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from some of the lesser-known companies. Some small companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.
Cheaper car insurance is definitely available from both online companies and also from your neighborhood Conroe agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.