Having to pay for overpriced car insurance can empty your personal savings and put a big crunch on your finances. Doing a price comparison is a smart way to make sure you’re not throwing money away. Insurance companies such as GEICO, Progressive and Allstate promote their brand names with ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.
If you have a policy now or need a new policy, you can use this information to get lower rates and still get good coverage. Buying car insurance in San Marcos is not rocket science. Texas consumers only need an understanding of the tricks to find the lowest price over the internet.
Fast and Easy San Marcos Car Insurance Quotes
Getting better car insurance pricing can be quick and easy. All you need to do is take time to compare quotes from different insurance companies. This can be accomplished in a couple of different ways.
- The single most time-saving way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating multiple quote forms to each individual car insurance company. Filling out one form gets rate comparisons direct from many companies.
- A less efficient way to get comparison quotes is going to each company’s website and fill out their own quote form. For instance, we’ll pretend you want to compare State Farm, Progressive and American Family. You would have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in San Marcos, click here.
Which method you use is up to you, but compare exactly the same coverage limits and deductibles for each comparison quote. If you compare higher or lower deductibles it will be next to impossible to determine the best price in San Marcos.
Do you qualify for a discount?
The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but less common discounts must be requested specifically before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
- Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
- Drive Safe and Save – Safe drivers can pay as much as 50% less than less cautious drivers.
- Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates when buying car insurance.
- Save over 55 – Older drivers may receive better car insurance rates.
- Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
- Accident Forgiveness – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce the amount you have to pay.
To choose insurers offering car insurance discounts in San Marcos, click here.
Learn more about Texas car insurance
More information is available on the website for the Texas Department of Insurance found here. Texas drivers can find a variety of consumer forms, find out industry alerts, learn about insurance regulations, and view agent and company licensing information.