Find Cheaper Bedford Auto Insurance

Saving money on Bedford auto insurance is nearly impossible for consumers new to comparing rates online. Drivers have so many options that it can be a challenge to find the best price in Bedford.

It's important to compare prices once or twice a year because insurance rates are constantly changing. Just because you found the lowest price last year a different company probably has better rates today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the quickest way to lower your rates without sacrificing coverage.

Save big with these discounts

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we researched both well-publicized as well as the least known discounts you could be receiving. If they aren't giving you every credit available, you are throwing money away.

Discount for New Cars - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Clubs and Organizations - Participating in certain professional organizations may earn a discount on auto insurance.
Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
Homeowners Pay Less - Owning a house in Bedford can save you money because maintaining a house shows financial diligence.
Bundle and Save - If you have multiple policies with the same company you will save up to 20% off your total premium.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Rate your vehicle for proper use - The higher the mileage driven every year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
Optional equipment can affect rates - Driving a car with an alarm system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Liability coverage is cheap - Your policy's liability coverage will protect you if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Safer cars cost less to insure - Cars with high safety ratings get lower rates. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more you have to pay, the less your company will charge you for insurance.
Bundling policies can get discounts - Some insurance companies will give a discount to customers who carry more than one policy. It's known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you're getting this discount you still need to compare other company rates to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.
Do you work long hours in a high stress job? - Jobs such as judges, social workers and accountants have higher rates than average because of high stress levels and lengthy work days. On the flip side, professions such as farmers, athletes and retirees get better rates.

Auto insurance ads bend the truth

Texas consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim about savings if you change your coverage to them.

How do they all make almost identical claims?

All companies can use profiling for the type of customer that earns them a profit. For instance, a desirable insured could possibly be over the age of 50, has no tickets, and has great credit. A driver that hits that "sweet spot" is entitled to the best price and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "people who quote" save that much money. That's why companies can truthfully advertise the savings. Because of the profiling, drivers should get as many quotes as possible. It is impossible to predict the company that will give you the biggest savings.

Even more information is located at the Texas Department of Insurance website. Texas consumers can file complaints about an insurance agent or broker, view a list of available companies, and find out which companies have the most complaints.

In the end, you save

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many instances, an insured dropped liability coverage limits only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at a price you can afford.

Drivers leave their current company for a number of reasons such as delays in paying claims, extreme rates for teen drivers, questionable increases in premium and even delays in responding to claim requests. Whatever your reason, choosing a new insurance company is less work than it seems.

Cheaper auto insurance can be sourced online as well as from independent agents in Bedford, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.