Tightwads Guide to Saving on Bellmead Car Insurance

Tired of paying out the nose each month for car insurance? You're in the same situation as many other Texas drivers. Since consumers have many companies and agents to choose from, it can be impossible to pick the cheapest company.

It's important to compare prices once or twice a year due to the fact that insurance rates are constantly changing. Just because you found the best price a few years ago you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to learn how to use online quotes to lower your rates without sacrificing coverage.

Choosing the best insurance company for you in Bellmead is easy if you know what you're doing. If you have a current car insurance policy or are looking for a new policy, you can follow these tips to find the best rates while maintaining coverages. Texas vehicle owners just need to know the best way to shop their coverage around over the internet.

Texas car insurance

How to Compare Car Insurance Costs in Bellmead

Most companies give price estimates directly from their websites. Obtaining pricing is quite simple as you simply enter the amount of coverage you want into the quote form. When the form is submitted, the system will obtain your credit score and driving record and gives you a price quote. This streamlines rate comparisons, but the process of having to visit a lot of sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible in order to get a lower rate.

The easy way to compare rates

A quicker way to find cheaper rates makes use of a single form that analyzes rates from multiple companies. It's a real time-saver, reduces the work, and makes price shopping online much easier to do. As soon as you send your information, your coverage is rated and you can select any or none of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. This process takes 15 minutes at the most and you will know how your current rates stack up.

In order to find out how much you're overpaying now, click here and enter your information. If you currently have coverage, we recommend that you enter the limits and deductibles just like they are on your policy. This ensures you will get a fair comparison for similar insurance coverage.

More discounts equal less premium

Car insurance companies don't list every available discount very well, so we took the time to find both the well known as well as the least known ways to save on car insurance. If you don't get every credit available, you're paying more than you need to.

  • Passive Restraint Discount - Vehicles with factory air bags can receive discounts of more than 20%.
  • Payment Method - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • One Accident Forgiven - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
  • Homeowners Pay Less - Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Driver Safety - Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Claim Free - Claim-free drivers can save substantially compared to bad drivers.
  • E-sign - Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • Auto/Life Discount - Select insurance companies reward you with a break if you buy life insurance from them.

Drivers should understand that many deductions do not apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, companies wouldn't make money that way.

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

More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Visitors are able to find out industry alerts, view a list of available companies, learn about insurance regulations, and file complaints about a company.

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