7 Discounts College Station Drivers Forget when Shopping for Car Insurance

No one in their right mind looks forward to buying car insurance, particularly when the cost is way too high.

Drivers have multiple to buy insurance from, and even though it's nice to have a choice, it can be more challenging to compare rates.

compare College Station car insurance rates

Don't pay full price with these seven discounts

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but a few need to be manually applied prior to getting the savings.

  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Distant Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Senior Citizens - Older drivers can possibly qualify for better car insurance rates.
  • No Accidents - Good drivers with no accidents can save substantially when compared to frequent claim filers.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down your premiums.

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

Finding Car Insurance in College Station, TX

Shopping for lower car insurance rates can take time and effort if you don't know the best way to get rate quotes. You can waste hours talking to insurance agencies in College Station, or you could use online quoting to quickly compare rates.

Most car insurance companies enroll in a system that enables customers to enter their coverage request one time, and each company provides a quote. This saves time by eliminating quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify the companies to get quotes from. If you would rather choose individual companies to compare, we put together a list of companies who write car insurance in Texas. View list of Texas insurance companies.

It's up to you which method you use, but make absolute certain that you use identical deductibles and coverage limits on every quote you get. If you compare different values for each quote you can't possibly determine which rate is truly the best in College Station. Quoting even small variations in coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes helps locate better pricing.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Shop smart and save

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Cheaper car insurance is possible both online and also from your neighborhood College Station agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online quoting and these regional insurance providers work with independent agents.