Shopping for the most affordable Killeen auto insurance over the internet can be difficult for people who are new to comparison shopping online. With a ridiculous number of insurance companies available, how can Killeen drivers even start to compare them all to find the cheapest rates?
Comprehensive Killeen Auto Insurance Comparison
All the larger auto insurance companies such as State Farm and Allstate give price estimates on their websites. The process doesn’t take much effort as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, the company’s rating system will obtain credit information and your driving record and provides a quote based on these factors.
Being able to quote online makes it a lot easier to compare rates but the time it takes to visit different websites and complete many quote forms is monotonous and tiresome. But it’s very important to have as many quotes as possible if you are searching for a better rate.
The easy way to compare rates
The easiest way to lower your auto insurance bill requires only one form to obtain quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. After sending your information, it is rated with multiple companies and you can pick any of the quotes that you receive.
If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and may save quite a bit of money.
To save time and compare rates now, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you input the insurance coverages exactly as shown on your declarations page. Doing this assures you will receive comparison quotes using the same coverage and limits.
Discounts are available to cut your rates
Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you quote, but some may not be applied and must be requested specifically prior to getting the savings. If they aren’t giving you every credit available, you’re paying more than you need to.
- Defensive Driving Course – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
- Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
- Federal Government Employee – Active or retired federal employment may qualify you for a discount with select insurance companies.
- Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
- Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accident claims.
- Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
Keep in mind that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will cut the cost of coverage.
To see a list of companies offering auto insurance discounts in Killeen, click here to view.
Factors that affect insurance rates
An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with big savings.
- Do you need those extra coverages? – There are a ton of add-on coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and term life insurance may be costing you every month. They may seem like a good idea at first, but if they’re wasting money eliminate them to save money.
- Drive less and save money – The more miles you rack up on your car every year the more you will pay for auto insurance. The majority of insurers rate vehicles determined by how the vehicle is used. Autos that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your auto insurance policy shows how each vehicle is driven, because it can save money.
- Poor driving leads to higher costs – Good drivers have lower premiums than people who have multiple driving citations. Only having one citation can increase rates twenty percent or more. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
- Lower rates come with age – Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are known to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
- Allowing your policy to lapse raises rates – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. Not only will you pay more, getting caught without coverage will get you a license revocation or jail time.
- Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
- Protect yourself with liability coverage – The liability section of your policy will protect you when a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
- Your location affects your rates – Residing in less populated areas can save you money when insuring your vehicles. Lower population means a lower chance of having an accident and a lower car theft rate. City drivers regularly have traffic congestion and a longer drive to work. Higher commute times translates into higher accident risk.
Everyone needs different coverages
When choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that might point out if you might need professional guidance.
- Can I afford to pay high deductible claims out of pocket?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered when driving a rental car?
- When should I remove comp and collision on my vehicle?
- What is the difference between comprehensive and collision coverage?
- Is there coverage for injuries to my pets?
- Does liability extend to a camper or trailer?
- Why is insurance for a teen driver so high in Killeen?
- Do I really need UM/UIM coverage?
- Why am I required to get a high-risk car insurance policy?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.
Much more information about auto insurance in Texas can be read on the Texas Department of Insurance website found here. Consumers can find disaster information, read enforcement actions against agents and companies, and download brochures.
Do you really save 40% when you switch?
Texas drivers can’t get away from ads for car insurance savings from the likes of State Farm and Allstate. All the companies say the same thing of big savings after switching your coverage to them.
How do they all say the same thing? This is how they do it.
All the different companies have a preferred profile for the driver that makes them money. For instance, a desirable insured might be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.
Drivers who do not match the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do.
Because of the profiling, you absolutely need to compare as many rates as you can. It’s impossible to know which auto insurance company will give you the biggest savings.
Do the work, save more money
You just learned many ideas to get a better price on auto insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates come from the least-expected company.
As you prepare to switch companies, never reduce coverage to reduce premium. There are too many instances where someone dropped comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.
Cheaper auto insurance is possible on the web in addition to many Killeen insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide online price quotes and these smaller companies work with independent agents.