Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat. Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute best rates possible.
You need to shop coverage around before your policy renews because rates change regularly. Even if you think you had the best price a few years ago there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to learn the easiest way to remove unneeded coverages and save money.
If you are insured now or are shopping for new coverage, you can learn to get lower rates while maximizing coverage. Buying car insurance in Pearland is not rocket science. Texas drivers just need to learn the tricks to compare price quotes online.
Pearland Auto Insurance Quote Comparison
Effectively comparing auto insurance prices can be exhausting if you aren’t aware of the easiest way. You can waste hours discussing policy coverages with insurance agencies in Pearland, or you can utilize the web to accomplish the same thing much quicker.
Most car insurance companies participate in an industry program that enables customers to enter their policy data once, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for. To find out how much you’re overpaying now click here to open in new window.
The one disadvantage to comparing rates this way is you are unable to specify which companies to get quotes from. So if you want to choose individual companies to request quotes from, we have a listing of low cost auto insurance companies in Texas. View list of Texas insurance companies.
Whichever method you choose, compare the exact same information for each comparison quote. If you have higher or lower deductibles it’s not possible to decipher which rate is best in Pearland.
Take advantage of discounts
The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. Most are applied when you purchase, but some may not be applied and must be inquired about before they will apply. If you don’t get every credit you deserve, you’re paying more than you need to.
- No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- E-sign – A few companies will give a small break simply for signing on their website.
- Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
- Senior Citizens – Mature drivers can possibly qualify for better auto insurance rates.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
- Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Homeowners Pay Less – Owning a home in Pearland may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
- Drive Less and Save – Fewer annual miles can qualify you for a substantially lower rate.
Consumers should know that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky. But any discount will help reduce your premiums.
To see a list of providers with the best auto insurance discounts in Texas, follow this link.
How to know if you need help
When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining if your situation might need professional guidance.
- I have good health insurance, so how much medical payments coverage do I need?
- Do I need rental car coverage?
- If my vehicle is totaled, can I afford another vehicle?
- Is borrowed equipment or tools covered if stolen or damaged?
- What should my uninsured motorist coverage limits be in Texas?
- Am I covered when pulling a rental trailer?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
You have some control over your rates
An important part of buying insurance is that you know the factors that help determine your auto insurance rates. Understanding what influences your rates helps enable you to make changes that can help you get big savings.
- More than one policy can earn a discount – Most companies will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
- Pleasure use saves money – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
- Mature drivers pay less – Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers tend to be less responsible in a vehicle therefore auto insurance rates are much higher.
- Cautious drivers pay less – Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Even a single speeding ticket may increase your cost twenty percent or more. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
Quote more, save more
Cheap auto insurance is available online and with local Pearland insurance agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.
We just showed you many ways to shop for auto insurance online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a lesser-known regional company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.
More information can be read on the website for the Texas Department of Insurance. Click here for link. Texas drivers can find disaster information, find a variety of consumer forms, and view a list of available companies.