8 Shopping Tips Guaranteed to Save Money on Car Insurance Costs in Archer City, TX

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are a lot of people in Archer City just like you who feel imprisoned by their car insurance policy.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices at least once a year since rates are constantly changing. If you had the lowest rates on your last policy you can probably find a better price now. So just block out anything you think you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

Texas car insurance

Are you getting all your discounts?

Companies don't always list every available discount in a way that's easy to find, so we break down both the well known and the harder-to-find car insurance savings.

  • Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Claim Free - Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Discount for Life Insurance - Some companies give better rates if you take out auto and life insurance together.
  • Organization Discounts - Being a member of a civic or occupational organization could qualify you for a break on your policy.
  • Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class in high school.
  • Low Mileage - Keeping the miles down can earn lower rates on the low mileage vehicles.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, it just doesn't work that way.

To choose providers with the best car insurance discounts in Archer City, follow this link.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate regularly use ads on television and other media. All the ads say the same thing that you can save if you move your coverage to them. How can each company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk might be between the ages of 30 and 50, has no tickets, and has great credit. Any new insured who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be charged more money which usually ends up with the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can advertise the savings. That is why you should compare many company's rates. It's just too difficult to predict which car insurance company will fit your personal profile best.

Find out more about car insurance

Additional detailed information can be found at the Texas Department of Insurance website. Visitors are able to file complaints about a company, find disaster information, read industry bulletins, and view a list of available companies.

car insurance in Archer City

Affordable insurance is out there

We just covered many ways to save on car insurance. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as .

Affordable car insurance is definitely available both online as well as from independent agents in Archer City, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.