Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you are not the only one feeling buyer’s remorse. You have so many insurers to choose from, and though it is a good thing to be able to choose, it makes it harder to find a good deal.
You need to price shop coverage yearly because insurance rates trend upward over time. Just because you had the best rates two years ago you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the internet, so by reading this article, you’re going to learn a lot of great tips on how to reduce your auto insurance bill.
How to Get Auto Insurance in Kyle, TX
Most companies give prices on their websites. This process is pretty easy as you just enter your coverage preferences into the quote form. Once you submit the form, their system automatically retrieves reports for credit and driving violations and generates a price based on many factors. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit several different sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest price.
The better way to compare rates
A more efficient way to compare rates requires only one form to get prices from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much more efficient. After sending your information, it gets priced with multiple companies and you can pick any one of the quotes returned.
If you find a better price it’s easy to complete the application and buy the new coverage. It just takes a couple of minutes and could lower your rates considerably.
To find out what other companies charge, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you complete the form with deductibles and limits identical to your current policy. This makes sure you will receive comparison quotes for similar coverage.
Don’t pay full price with these discounts
Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Most are applied at the time of purchase, but lesser-known reductions have to be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
- Government Employees – Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
- Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
- Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
- Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
- Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
- Low Mileage – Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
- Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.
Additional Texas consumer information
Additional information can be found on the website for the Texas Department of Insurance found here. Visitors are able to read industry bulletins, read consumer alerts, and file complaints about a company.