San Antonio Auto Insurance Savings the Big Companies Don’t Want You to Know About

Sick and tired of paying out the nose to pay your car insurance bill each month? You are in the same boat as the majority of other car owners in Texas.

Consumers have many insurers to pick from, and even though it’s nice to have a choice, it can be more difficult to get the best deal.

This article will help educate you on how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. But Texas vehicle owners need to learn the way companies compete online because it can help you find the best coverage.

Companies offer discounts so take them!

Car insurance is not cheap, but you may find discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but some may not be applied and must be inquired about before being credited.

• Bundle and Save – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
• Employee of Federal Government – Active or retired federal employment may qualify you for a discount with certain companies.
• E-sign – A few companies may give you up to $50 for buying a policy and signing up online.
• Memberships – Affiliation with a civic or occupational organization could qualify you for a break on your policy.
• Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.
• Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.

It’s important to understand that some credits don’t apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

To choose providers who offer auto insurance discounts in Texas, click here to view.

Free San Antonio Auto Insurance Quotes

All the larger auto insurance companies like State Farm, Allstate and GEICO quote coverage price quotes online. The process doesn’t take a lot of time as you simply enter your coverage preferences into the quote form. When complete, their rating system will order your driving and credit reports and gives you a price quote. Quoting online simplifies rate comparisons, but the time required to go to many different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you are searching for the lowest auto insurance rates.

An easier way to lower your rates uses one form that gets price quotes from multiple companies. The form is fast, eliminates repetitive work, and makes online price comparison much easier to do. After sending the form, it gets priced and you can choose your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To compare rates now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will get a fair comparison based on identical coverages.

Do I just need basic coverages?

When it comes to buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether your personal situation will benefit from professional help.

• Does my policy cover my teen driver if they drive my company car?
• Should I buy additional glass protection?
• Does my car insurance cover rental cars?
• Do I have coverage for damage caused while driving under the influence?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I afford low physical damage deductibles?
• Does having multiple vehicles earn me a discount?
• When should my teen driver be added to my policy?
• Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Compare but don’t skimp

We just showed you a lot of techniques to shop for auto insurance online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even discover the best price on auto insurance is with a small mutual company. These companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and GEICO.

The cheapest auto insurance is definitely available online and also from your neighborhood San Antonio agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.