Proven Ways to Save on Clarendon Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Comparison shopping is a great way to slash your bill and have more diposable income.

You have multiple to buy insurance from, and though it is a good thing to have multiple companies, having more makes it harder to compare rates.

It's important to do rate comparisons quite often due to the fact that insurance rates are constantly changing. If you had the best deal six months ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because I'm going to teach you the only way to remove unneeded coverages and save money.

Buying car insurance in Clarendon is not that difficult. If you currently have car insurance, you will be able to save some money using these methods. Although Texas consumers do need to know the way companies market on the web and take advantage of how the system works.

Save big with these discounts

Companies do not advertise every available discount very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Resident Student - Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you won't be that lucky.

Clarendon car insurance quote

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every insured's situation is different and your policy should reflect that. These are some specific questions may help you determine if your situation might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in Texas?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Clarendon?
  • What are Texas no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance ads bend the truth

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads have a common claim about savings if you move to them. How does each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. Any driver that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Consumers who fall outside these standards will be charged higher prices and this can result in the customer not buying. Company advertisements say "drivers who switch" not "people who quote" save money. This is how companies can truthfully state the savings. That is why you should get a wide range of price quotes. You cannot predict which insurance companies will have the lowest rates.

Even more information is available at the Texas Department of Insurance website. Visitors are able to read consumer alerts, learn about insurance regulations, read industry bulletins, and read enforcement actions against agents and companies.

Clarendon car insurance comparison

Final considerations

As you restructure your insurance plan, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

The cheapest car insurance is definitely available both online and with local Clarendon insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.