Expensive auto insurance can drain your bank account and put the squeeze on your family’s finances. Comparison shopping is a smart way to make sure you’re not throwing money away. Because you have many choices, it can be hard to locate the most cost effective insurance company.
You should take the time to compare rates once or twice a year because rates are constantly changing. Despite the fact that you may have had the best rates six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the tricks you need to know to eliminate unnecessary coverages and save money.
Quick Cedar Hill Auto Insurance Quotes
Cutting your Cedar Hill auto insurance rates is not a difficult process. The only requirement is to invest a little time comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.
One of the simplest ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms to each individual auto insurance company. One quote request will get you price quotes from all major companies.
Another way to compare prices is spending the time to visit each individual company website and complete a new quote form. For sake of this example, we’ll assume you want rates from Liberty Mutual, Progressive and Travelers. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.
For a list of links to insurance companies in Cedar Hill, click here.
However you get your quotes, make darn sure you compare identical quote information on every quote. If the quotes have different liability limits it will be next to impossible to make a fair comparison in Cedar Hill.
Take advantage of discounts
Companies do not list every discount very well, so the following is a list of some of the more common and the more hidden discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need to.
- Life Insurance Discount – Larger companies have better rates if you take out a life insurance policy as well.
- Auto/Home Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
- Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% off the personal injury premium cost.
- Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
- Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
For a list of companies with the best auto insurance discounts in Cedar Hill, click here to view.
For more Texas auto insurance information
Even more information can be read at the Texas Department of Insurance website. Consumers can get help finding coverage, download brochures, and find out industry alerts.