Car Insurance in Ben Wheeler - 8 Discounts You Might be Forgetting

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you there are lots of people in the same boat. Drivers have multiple to buy insurance from, and even though it's nice to have a selection, it can be more challenging to compare rates.

It's important to take a look at other company's rates every six months since rates are constantly changing. Even if you got the best rates a few years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to save money.

Finding the best rates in Ben Wheeler is easy if you know what you're doing. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Texas vehicle owners just need to know how to shop for car insurance online.

These eight discounts can lower your rates

Companies offering auto insurance don't always advertise all their discounts very clearly, so the following is a list of some of the more common as well as the least known ways to save on car insurance. If you're not getting every credit possible, you're paying more than you need to.

Sign Online - Certain companies will give a small break for buying a policy and signing up over the internet.
Multi-car Discount - Buying coverage for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
No Charge for an Accident - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims prior to the accident.
Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
College Student - Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
Drive Less and Save - Driving fewer miles could qualify for better rates on cars that stay parked.
Homeowners Discount - Owning a house in Ben Wheeler may earn you a small savings because owning a home demonstrates responsibility.

Consumers should know that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don't profit that way.

To see a list of companies offering car insurance discounts in Texas, click this link.

Comprehensive Ben Wheeler Car Insurance Comparison

Most companies like State Farm, GEICO and Progressive give coverage prices online. Getting quotes is pretty painless as you just type in the coverages you want as detailed in the form. Once you submit the form, their rating system will obtain information on your driving record and credit history and generates pricing information based on these factors. Quoting online helps simplify price comparisons, but the time it takes to visit many different websites and enter the same data into a form is monotonous and tiresome. But it's very important to perform this step in order to get better car insurance pricing.

The preferred way to lower your rates is to use a quote form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. After sending the form, your coverage is rated and you can choose any one of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you replicate the coverage information identical to your current policy. This makes sure you will have a fair comparison based on the exact same insurance coverage.

Are you falling for claims of savings?

Consumers can't get away from ads that promise big savings by State Farm, GEICO and Progressive. They all seem to make the same claim that you'll save big if you switch to their company.

How does each company make the same claim?

All companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured could be over the age of 40, has no driving citations, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money which leads to business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that much. That's the way companies can make the claims of big savings. Because of the profiling, drivers must get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

Best coverage at the best price

Discount car insurance can be found from both online companies and also from your neighborhood Ben Wheeler agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, never reduce coverage to reduce premium. In many cases, someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at a price you can afford.

More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Consumers can get help finding coverage, report car insurance fraud, read consumer alerts, and learn about insurance regulations.