Having to pay for overpriced auto insurance can eat up your monthly budget and put a big crunch on your finances. Performing a price comparison is a fast and free way to make sure you’re not throwing money away.
Due to the large number of insurance providers from which to choose, it can be challenging to locate the lowest cost auto insurance company.
Nine discounts for lower Texas auto insurance rates
Auto insurance is not an enjoyable expense, but there may be some discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but less common discounts must be manually applied prior to getting the savings.
- Early Payment Discounts – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
- Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
- Save with a New Car – Buying a new car instead of a used car can get you a discount since new vehicles have better safety ratings.
- Defensive Driver Discount – Passing a safe driver course can save you 5% or more and easily pay for the cost of the class.
- Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you lower rates if you buy a life insurance policy as well.
- Low Miles Discount – Keeping the miles down on your Volkswagen could qualify for lower premium rates due to less chance of an accident.
- Save over 55 – If you’re over the age of 55, you are able to get a small discount on rates on Jetta insurance.
- College Student Discount – who are enrolled in higher education away from home and do not have a car could get you a discount.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.
Auto insurance companies that may offer quotes with most of the discounts above may include but are not limited to:
Before purchasing a policy, check with each insurance company the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your area. To view providers that provide some of the discounts listed above in Texas, click this link.
The method we recommend to compare car insurance company rates is to take advantage of the fact most of the larger companies provide online access to compare their rates. The only thing you need to do is give them rating details such as an estimate of your credit level, if you have an active license, whether you are married, and coverage limits. Your details is then sent to many of the top insurers and you receive quotes instantly to find the best rate.
To check rates for your Volkswagen Jetta now, click here and enter your zip code.
You may need specialized auto insurance coverage
When choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether you might need an agent’s assistance.
- Am I covered when driving on a suspended license?
- Are all vehicle passengers covered by medical payments coverage?
- Do no-fault laws apply in Texas?
- Am I covered if I drive in a foreign country?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Am I covered when driving someone else’s vehicle?
- Does my personal policy cover me when driving my company car?
- Does my car insurance cover rental cars?
- Am I covered if I crash into my own garage door?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Get rate quotes but still have a neighborhood Houston auto insurance agent
A lot of people still prefer to visit with an insurance agent. A nice benefit of getting free rate quotes online is that drivers can save money and get cheap auto insurance quotes and still have a local agent.
Once you complete this quick form, your insurance data is instantly submitted to companies in Houston who will gladly provide quotes for your business. You never need to search for an agent due to the fact that quote results will go instantly to you. You can find lower rates without the usual hassles of price shopping. If you want to get a comparison quote from a particular provider, feel free to search and find their rate quote page and fill out their quote form.
Finding a good provider should depend on more than just a low price. Get answers to these questions too.
- Do the agents have professional certifications like CPCU or CIC?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they feel the quoted coverages are adequate?
- Is the agency covered by Errors and Omissions coverage?
- Did they already check your driving record and credit reports?
In order to get additional information on licensed agents in your area, link to this full listing of Houston, TX auto insurance agents.
Why you might not save $479 a year
State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to convey the message that drivers can save some big amount just by moving to them. How is it possible that every company can say the same thing?
All companies have specific guidelines for the type of driver that is profitable for them. For example, a desirable insured could possibly be between the ages of 30 and 50, carries high limits, and drives less than 10,000 miles a year. Any new insured that meets those criteria may get the lowest premium rates in Houston and will probably save a lot of money.
Insureds who may not quite match these criteria may be forced to pay higher premium rates which translates to the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make the claims of big savings. This really illustrates why it is so important to compare as many as you can. It’s just too difficult to predict which company will have better rates than you’re paying now.
Auto insurance coverage breakdown
Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from auto insurance companies.
Uninsured and underinsured coverage
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Jetta.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive coverages
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as damage from getting keyed, fire damage and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision protection
This coverage covers damage to your Jetta caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.
Liability auto insurance
Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability insurance covers things such as repair bills for other people’s vehicles, loss of income and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford. Texas requires drivers to carry at least 30,000/60,000/25,000 but it’s recommended drivers buy more coverage.
Coverage for medical payments
Med pay and PIP coverage pay for bills like EMT expenses, rehabilitation expenses, chiropractic care, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
One last thing to lower rates
Cost effective Volkswagen Jetta insurance can be found both online and from local agencies, so get from both of them in order to have the best price selection to choose from. Some auto insurance companies do not offer rates over the internet and usually these regional insurance providers only sell coverage through independent insurance agents.
You just read many ways to save on Volkswagen Jetta insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Drivers may discover the best price on auto insurance is with a small local company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like GEICO and State Farm.
When searching for , never skimp on coverage in order to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to discover later that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.
To find out more about Texas auto insurance
More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Texas consumers can read consumer alerts, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.
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