5 Discounts Childress Drivers Forget when Comparing Car Insurance

Finding lower rates for Childress car insurance is difficult for beginners to comparison shopping online. You have so many options available that it can easily become a big hassle to find the best price in Childress.

Don't pay full price with these 5 discounts

Car insurance companies don't always list every discount very clearly, so the following is a list of both the well known and the harder-to-find savings tricks you should be using. If you're not getting every credit available, you're paying more than you need to.

  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Claim Free - Claim-free drivers pay less when compared to bad drivers.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • One Accident Forgiven - Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Life Insurance - Some companies give a discount if you purchase life insurance from them.

Keep in mind that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free car insurance policy, it just doesn't work that way.

To see a list of insurance companies with the best car insurance discounts in Texas, click here to view.

How to Compare Childress Car Insurance Rates

There are multiple methods you can shop for car insurance but some are less time-consuming than others. You can waste a lot of time talking about coverages with agents in Childress, or you can stay home and use online quotes to achieve your goal.

Many insurance companies belong to a marketplace that enables customers to complete one form, and every company returns a competitive quote based on that data. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is that you can't choose which carriers to get quotes from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in Texas. View list of Texas insurance companies.

It's up to you which method you use, but ensure you're using identical deductibles and coverage limits for every company. If you have different values for each quote it will be very difficult to decipher which rate is best in Childress.

The car insurance bait and switch

Consumers in Texas can't get away from ads for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all make an identical promise that you can save if you move your coverage to them.

How does each company claim to save you money? This is how they do it.

Different companies can use profiling for the type of customer that is profitable for them. A good example of a driver they prefer might be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will be quoted more money and ends up with the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save that much money. That's why insurance companies can advertise the way they do. This emphasizes why drivers must get as many comparisons as possible. It's just too difficult to predict the company that will provide you with the cheapest rates.

Best coverage at the best price

People who switch companies do it for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, unfair underwriting practices or an unsatisfactory settlement offer. Regardless of your reason, switching car insurance companies is actually quite simple.

Affordable car insurance is possible both online as well as from independent agents in Childress, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies don't offer the ability to get a quote online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

Additional detailed information can be read at the Texas Department of Insurance website. Visitors are able to find a variety of consumer forms, read industry bulletins, and view a list of available companies.