Tightwads Guide for Saving on Albany Auto Insurance

Tired of not being able to afford each month for car insurance? You are in the same boat as many other Texas drivers. Big companies like GEICO and Progressive all claim big savings with catchy ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you are insured now or are shopping for new coverage, you can use these techniques to find better prices while maximizing coverage. Finding affordable coverage in Albany is quite easy. Texas drivers only need an understanding of the tricks to compare company rates online.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested before being credited. If you aren't receiving every discount available, you're just leaving money on the table.

  • Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • No Accidents - Claim-free drivers can earn big discounts when compared to frequent claim filers.
  • One Accident Forgiven - A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Defensive Driving Course - Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Paperwork-free - A few companies give back up to $50 simply for signing digitally online.
  • Senior Discount - Older drivers can possibly qualify for better auto insurance rates.

It's important to understand that most credits do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts in Albany, follow this link.

Cheap Albany Auto Insurance Comparisons

Shopping for lower auto insurance rates can take hours if you don't know the most efficient way to do it. You can waste hours driving to local insurance agents in Albany, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that allows shoppers to complete one form, and at least one company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you don't know exactly the companies to get quotes from. So if you prefer to pick from a list of companies to receive pricing from, we have a listing of auto insurance companies in Texas. View list of Texas insurance companies.

Which method you use is up to you, but ensure you're using exactly the same coverages for each comparison quote. If the quotes have different limits and deductibles on each one it will be impossible to determine the lowest rate in Albany.

Best coverage at the best price

Low-cost auto insurance is definitely available on the web and also from your neighborhood Albany agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide online quoting and these smaller companies work with independent agents.

While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.