Top 5 Ways to Save Money on Car Insurance in Arp

Shopping for affordable Arp car insurance online can be intimidating for consumers new to online price comaprisons. Since there are so many online companies available, how can consumers effectively compare the different rates to find the best available price?

More discounts equal less premium

Car insurance companies don't list all available discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

  • Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
  • Life Insurance Discount - Some companies give lower rates if you buy a life insurance policy as well.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill if you qualify.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.

It's important to note that some credits don't apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you're out of luck.

It's not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.

Here are some questions about coverages that can help discover if you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form.

Switch companies and save? Really?

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies have a common claim that you can save if you change to them. How do they all make the same claim? This is how they do it.

All companies have a preferred profile for the type of driver that earns them a profit. For example, a profitable customer could be between the ages of 30 and 50, has no prior claims, and has a short commute. Any new insured that hits that "sweet spot" receives the best rates and therefore will cut their rates substantially.

Consumers who do not match the "perfect" profile must pay higher prices and this can result in business going elsewhere. Company advertisements say "drivers who switch" not "everyone that quotes" save money. This is how insurance companies can make the claims of big savings. This illustrates why drivers should compare as many rates as you can. It's just too difficult to predict which insurance companies will fit your personal profile best.

Learn more about car insurance in Texas

Additional detailed information can be found at the Texas Department of Insurance website. Consumers can report car insurance fraud, file complaints about an insurance agent or broker, and find disaster information.

Texas car insurance quotes

Affordable insurance is out there

Lower-priced car insurance is attainable from both online companies and with local Arp insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, you should never skimp on coverage in order to save money. In too many instances, consumers will sacrifice physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Drivers leave their current company for any number of reasons including lack of trust in their agent, delays in paying claims, delays in responding to claim requests and even questionable increases in premium. It doesn't matter why you want to switch switching car insurance companies is less work than it seems.