Scraping up a payment for overpriced auto insurance can empty your checking account and force you to make sacrifices. Shopping your coverage around is a great way to lower your monthly bill.
Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rate
Consumers should take time to check auto insurance prices on a regular basis because prices are constantly changing. Despite the fact that you may have had the best rates on your last policy you can probably find a better price now. There is a lot of wrong information about auto insurance on the internet, so we’re going to give you the best ways to quit paying high auto insurance rates.
Comprehensive Abilene Auto Insurance Comparison Quotes
Most companies quote prices for coverage on their websites. Getting online quotes doesn’t take a lot of time as you just type in the coverages you want into the quote form. Behind the scenes, the company’s rating system automatically orders credit information and your driving record and gives you a price quote based on these factors. Online price quotes makes it a lot easier to compare rates but the time required to go to multiple sites and type in the same information gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you are searching for better auto insurance pricing.
Quote rates the easy way
A more efficient way to get multiple rate quotes is to use a quote form that gets prices from a bunch of companies at once. This type of form saves time, requires less work, and makes online price comparison much more enjoyable and efficient. After sending the form, it is rated with multiple companies and you can pick any one of the quotes that you receive.
If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and you will find out if you’re overpaying now.
If you want to get comparison pricing now, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you type in the coverage information as shown on your current policy. This ensures you’re receiving rate quotes using the exact same coverages.
Save money by taking advantage of these discounts
The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Some discounts apply automatically when you get a quote, but a few need to be requested specifically before being credited.
- Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accidents.
- College Student – Children who live away from home and do not have a car may be able to be covered for less.
- Own a Home – Being a homeowner may trigger a auto insurance policy discount because owning a home requires personal responsibility.
- Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
- Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Paperless Signup – Certain companies give back up to $50 simply for signing digitally online.
- Accident Forgiveness – A few companies allow you one accident without raising rates so long as you haven’t had any claims prior to the accident.
- Bundle and Save – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
- Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
- Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with a few auto insurance companies.
Drivers should understand that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.
For a list of providers who offer auto insurance discounts in Abilene, follow this link.
Buying car insurance locally
Some consumers just want to sit down with an agent. One of the great benefits of price shopping on the web is that you can obtain the best rates and still choose a local agent. Buying from local insurance agencies is especially important in Abilene.
After completing this simple form, your insurance data is transmitted to participating agents in Abilene who will give you bids for your insurance coverage. There is no reason to drive around since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates and work with a local agent.
Shown below is a list of insurers in Abilene that may be willing to give price quotes.
State Farm Insurance – 4015 Buffalo Gap Rd, Abilene, TX 79605 – (325) 698-7293
Prefferred General Agency – 4400 Buffalo Gap Rd, Abilene, TX 79606 – (325) 437-4350
Farm Bureau Insurance – 3301 N 3rd St # 115, Abilene, TX 79603 – (325) 672-2225
Farm Bureau Insurance – 3301 N 3rd St # 115, Abilene, TX 79603 – (325) 672-2225
Allstate Insurance – 4722 S 14th St, Abilene, TX 79605 – (325) 695-6470
Dean Rucker Insurance – 3300 S 14th St # 208, Abilene, TX 79605 – (325) 698-7445
Farmers Insurance Group Kent – 2150 Industrial Blvd, Abilene, TX 79602 – (325) 690-1628
Choosing an insurer shouldn’t rely on just a cheap price. Some important questions to ask are:
- Did they already check your driving record and credit reports?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is working in the agency their full-time job?
- How are they compensated?
- Do the coverages you’re quoting properly cover your vehicle?
Upon receiving good answers to all your questions and locked in a price quote, chances are good that you have found an provider that meets your needs to insure your vehicles.
Why some people pay less for insurance in Abilene
Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.
- Add-on coverages can add up – There are a ton of add-on coverages you can purchase on your auto insurance policy. Coverages like personal injury protection, better glass coverage and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don’t need them get rid of them and save.
- Women pay lower rates – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women cause accidents in similar percentages, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
- More miles equals more premium – The more miles you rack up on your car each year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance policy is rated on how each vehicle is driven.
- Poor credit can mean higher rates – Your credit score is a large factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores. Therefore, if your credit score is low, you could be paying less to insure your by improving your rating.
In conclusion
Lower-priced auto insurance is attainable both online and also from your neighborhood Abilene agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
In this article, we presented a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even discover the best prices are with a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.
Much more information about auto insurance in Texas can be read on the website for the Texas Department of Insurance located here. Texas drivers can learn about specific coverages, file complaints about a company, discover disciplinary actions, and get help finding coverage.
Additional helpful sites include this site for auto insurance information in Texas and this link where you can make Abilene auto insurance comparisons.