Finding better rates for Stafford car insurance can seem to be difficult for beginners to shopping for insurance online. People have so many choices that it can turn into a ton of work to find lower rates in Stafford.
Smart consumers take time to get comparison quotes on a regular basis since insurance rates tend to go up over time. Even if you think you had the best deal last year the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because I’m going to teach you the quickest way to find lower rates on car insurance.
Don’t pay full price with these discounts
Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but a few need to be manually applied before being credited.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% with certain companies.
- Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more if you qualify.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
- Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
- No Accidents – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
It’s important to understand that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. But all discounts will help reduce the cost of coverage.
To see a list of providers with the best car insurance discounts in Texas, follow this link.
Your personal situation dictates your coverage
When it comes to buying the best car insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.
For instance, these questions might point out if your situation will benefit from professional help.
- Do I qualify for additional discounts?
- Should I sign the liability waiver when renting a car?
- I don’t drive much so do I pay less?
- Can I afford low physical damage deductibles?
- Can I drive in Mexico and have coverage?
- Do I really need UM/UIM coverage?
- How do I file an SR-22 for a DUI in Texas?
- Do I need rental car coverage?
- Am I covered when driving a rental car?
- Will my vehicle be repaired with OEM or aftermarket parts?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.
Consumer car insurance information in Texas
Additional information can be read on the Texas Department of Insurance website found here. Visitors are able to get help finding coverage, download brochures, read industry bulletins, and view a list of available companies.
Other useful links include this page for car insurance prices in Texas and this link where you can make Stafford car insurance comparisons.
Smart shoppers get results
In this article, we presented many tips how you can save on car insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.
Lower-priced car insurance can be purchased on the web and also from your neighborhood Stafford agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these small, regional companies sell through independent agents.
When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, someone dropped comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.