Crandall Auto Insurance For Less Than You're Paying Now

Finding the best price on Crandall auto insurance can seem like an uphill battle if you are a beginner to online quotes. But don't be discouraged because there is an easy way to compare rates.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Just because you had the lowest rates a few years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to save on auto insurance.

Don't pay full price with these discounts

Companies that sell car insurance don't list all their discounts in an easy-to-find place, so we break down some of the best known and the more hidden auto insurance savings. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Accident Forgiveness - A few companies permit an accident before your rates go up as long as you don't have any claims prior to the accident.
  • Early Signing - A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Clubs and Organizations - Affiliation with certain professional organizations could qualify you for a break on auto insurance.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

It's important to note that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether or not you could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?

If you don't know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

The auto insurance bait and switch

Texas drivers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing that you can save if you switch your policy.

How do they all say the same thing?

All companies have a certain "appetite" for the right customer that earns them a profit. For example, a desirable insured might be profiled as over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A propective insured who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will have to pay more money which usually ends up with business not being written. The ads state "people who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can advertise the way they do. Because of the profiling, you should get quotes from several different companies. It's not possible to predict which company will provide you with the cheapest rates.

Additional Texas consumer information

Additional detailed information can be found at the Texas Department of Insurance website. Texas drivers can learn about insurance regulations, learn about specific coverages, and file complaints about a company.

Texas auto insurance

In the end, you save

Lower-priced auto insurance is available on the web in addition to many Crandall insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we covered a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising.

Consumers switch companies for many reasons like denial of a claim, high prices, poor customer service and even questionable increases in premium. Regardless of your reason, finding the right auto insurance provider is less work than it seems.