How to Get the Cheapest Beaumont Car Insurance

Consumers not familiar with shopping for insurance online will find shopping for affordable Beaumont car insurance nearly impossible.

It's important to check car insurance prices occasionally because rates are constantly changing. Even if you think you had the best price on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you're about to find out how to quote online to lower your rates without sacrificing coverage.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are a few of the "ingredients" companies use to determine rates.

Teen drivers pay high rates - Older drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers have a tendency to be more careless behind the wheel and because of this, their car insurance rates are much higher.
More than one policy can earn a discount - Some car insurance companies will give a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount you still need to comparison shop to make sure you are getting the best deal.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders.
Performance influences rates - The type of car you own makes a big difference in your rates. Low performance passenger cars usually have the lowest rates, but there are many factors that impact the final cost.

Finding Car Insurance Deals in Beaumont, TX

There are multiple methods to shop for car insurance, and some are easier and takes less work. You can spend your afternoon talking to insurance companies in Beaumont, or you could save time and use online quoting to get rates in a matter of minutes.

Most of the larger companies participate in an industry program that enables customers to enter their coverage request one time, and each company then gives them pricing for coverage. This system prevents you from having to do quote forms to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one downside to pricing coverage this way is you cannot specify which providers to receive prices from. If you would rather choose from a list of companies to compare rates, we put together a list of car insurance companies in Texas. Click here to view list.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same coverage limits with every price quote. If you use differing limits it's not possible to find the best deal in Beaumont.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Some trigger automatically at the time you complete a quote, but a few need to be inquired about prior to getting the savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.

College Student - Any of your kids who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
Military Rewards - Having a family member in the military could be rewarded with lower premiums.
Discount for Swiching Early - Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
Good Student - This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce your premiums.

To choose companies with discount car insurance rates in Beaumont, click this link.

The car insurance bait and switch

Consumers can't ignore all the ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings if you change to them.

How can each company make the same claim?

Insurance companies have a certain "appetite" for the type of driver that makes them money. For example, a desirable insured could be between 25 and 40, owns a home, and has great credit. A customer who matches those parameters is entitled to the best price and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay a more expensive rate which leads to business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save money. That is how companies can truthfully advertise the savings.

Because of the profiling, you need to get quotes from several different companies. Because you never know which company will fit your personal profile best.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

What are Texas no-fault laws?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Texas?
Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Additional information can be found on the Texas Department of Insurance website located here. Consumers can read enforcement actions against agents and companies, read consumer alerts, and find disaster information.

A tidy conclusion

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an insured cut physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at a price you can afford.

Cheaper car insurance is attainable from both online companies and with local Beaumont insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

We just showed you many ideas to compare car insurance prices online. It's most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company.