8 Tricks to Save on Car Insurance in Celina

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many Celina consumers feeling the pinch from expensive car insurance.

Consumers have many to buy insurance from, and even though it's nice to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates every six months since rates are constantly changing. Despite the fact that you may have had the lowest price six months ago you will most likely find a better rate today. Ignore everything you know about car insurance because we're going to demonstrate one of the best ways to find better coverage at a better price.

Are you getting all your discounts?

Companies do not advertise all their discounts very clearly, so we researched both the well known and the more hidden savings tricks you should be using.

Sign Online - Certain companies may give you up to $50 for buying your policy over the internet.
Multiple Vehicles - Buying coverage for multiple vehicles on one policy could earn a price break for each car.
College Student - Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Drive Less and Save - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, car insurance companies aren't that generous.

How can State Farm, GEICO and Progressive save drivers who switch?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on television and other media. They all seem to make an identical promise about savings after switching to their company. How does each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, has no driving citations, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher prices and ends up with the customer not buying. The ads say "people who switch" not "everybody who quotes" save that much. That's the way companies can truthfully state the savings. Because of the profiling, you should compare many company's rates. It's just too difficult to predict which car insurance company will have the lowest rates.

Even more information is located at the Tennessee Department of Commerce and Insurance website. Visitors are able to get help finding coverage, report car insurance fraud, read enforcement actions against agents and companies, and view agent and company licensing information.

Affordable insurance is out there

Cheap car insurance can be bought both online and also from your neighborhood Celina agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, it's very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate.