Proven Techniques to Save on Brownwood Auto Insurance

I can't think of a single person who likes having to buy auto insurance, especially knowing they are paying too much. Having so many companies to choose from, it's difficult to pick the lowest cost company.

compare Brownwood auto insurance rates

Finding Auto Insurance in Brownwood, TX

Cutting your Brownwood auto insurance rates can be relatively painless. Just invest a few minutes to compare quotes online from several insurance companies. This can be accomplished using a couple different methods.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing a different quote for every auto insurance company. A single form gets you coverage quotes .
  • A harder way to compare rate quotes consists of going to the website of each company and fill out their own quote form. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in Brownwood, click here.
  • The most time-consuming method of comparing rate quotes to and from local Brownwood insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the professional advice of a local Brownwood agent. It is possible to get the lowest quotes online and still use a local agent and we'll touch on that later.

Whichever method you choose, make absolute certain that you use apples-to-apples coverages for each comparison quote. If you use different limits and deductibles on each one it will be next to impossible to determine the lowest rate in Brownwood.

Take advantage of discounts

Car insurance companies do not advertise every discount very well, so here is a list some of the best known and the more hidden discounts you could be receiving. If you don't get every credit you qualify for, you're paying more than you need to.

  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
  • Life Insurance Discount - Some companies give a break if you buy a life insurance policy as well.
  • Accident Forgiveness - Some insurance companies permit an accident before raising your premiums if your claims history is clear prior to the accident.

It's important to note that some credits don't apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

To see a list of insurance companies with the best auto 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 single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions might point out whether your personal situation could use an agent's help.

  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage for damage caused while driving under the influence?
  • Why does it cost so much to insure a teen driver in Brownwood?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my vehicle is worth?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

For more Texas car insurance information

Additional detailed information is available at the Texas Department of Insurance website. Texas drivers can view a list of available companies, read consumer alerts, download brochures, and view agent and company licensing information.

Additional helpful sites include this page for auto insurance prices in Texas and this page of Brownwood insurance agents.