Car Insurance in Ballinger - 5 Ways to Save Money

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of car insurance companies selling insurance in Ballinger.

It's important to do rate comparisons periodically since rates are constantly changing. Even if you got the best deal a few years ago you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

Ballinger car insurance quote

How to Get Ballinger Car Insurance Comparison Quotes

There are several ways to get quotes from different Ballinger insurance companies. The best method to compare insurance prices is to perform an online rate comparison. This can be done using a couple different methods.

  • The recommended way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for separate quotes for every car insurance company. Just one form gets rate comparisons instantly. Just one form and you're done.
  • A more time consuming way to compare rate quotes is spending the time to visit the website for each individual company and fill out their own quote form. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Ballinger, click here.
  • The most time-consuming method to get comparison rates is to spend your day driving to insurance agents' offices. The internet has reduced the need for local agents unless you have a need for the trained guidance of a local Ballinger agent. It is possible to get the lowest quotes online and still use a local agent and we'll cover that in a bit.

However you get your quotes, be sure to compare apples-to-apples information for every quote you compare. If you compare higher or lower deductibles you will not be able to determine the best price in Ballinger. Slightly different coverages can mean a large discrepancy in price. Keep in mind that more quotes gives you a better chance of getting the best price.

Take advantage of discounts

Companies that sell car insurance don't always advertise every available discount very well, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Multi-policy Discount - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

To see a list of providers who offer car insurance discounts in Texas, click here.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. Every insured's situation is different.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Should I buy only the required Texas minimum liability coverage?
  • What are the best liability limits?
  • What is the difference between comprehensive and collision coverage?
  • When do I need to add a new car to my policy?
  • Can I still get insurance after a DUI?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, fill out this quick form.

Additional Texas consumer information

Even more information is available at the Texas Department of Insurance website. Visitors are able to find out industry alerts, file complaints about a company, and view agent and company licensing information.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Ballinger insurance agents.