6 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Crockett, TX

Are you intimidated by the number of car insurance options in Crockett? You're not alone. You have so many options that it can turn into a big hassle to find the lowest price.

It's important to compare prices every six months since rates are constantly changing. If you had the best deal a year ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

Texas car insurance quotes

How to Compare Car Insurance Quotes in Crockett, Texas

The are a couple different ways to compare rate quotes from car insurance companies in your area. One of the best ways to find competitive insurance rates is to get quotes online. This is very easy and can be done using a couple different methods.

  1. The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This method saves time by eliminating repetitive form submissions for every car insurance company. Filling out one form gets you coverage quotes from multiple companies. Just one form and you're done.
  2. A different way to shop for car insurance online consists of going to the website for each individual company to complete a price quote. For sake of this example, let's say you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in Crockett, click here.
  3. The least efficient method of comparing rate quotes is driving to different Crockett agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you require the professional advice of a local Crockett agent. You can, however, find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverages with each company. If each company quotes different limits and deductibles on each one it's not possible to make an equal comparison in Crockett. Just a small difference in limits can result in a big premium difference. Just remember that comparing a large number of companies gives you a better chance of getting lower pricing.

Policy discounts you shouldn't miss

Car insurance companies don't necessarily list all their discounts very well, so here is a list some of the more common as well as the least known car insurance savings.

  • Discount for Life Insurance - Some companies give a break if you buy a life insurance policy as well.
  • Organization Discounts - Belonging to a professional or civic organization could qualify you for a break on car insurance.
  • Federal Government Employee - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Keep in mind that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think it's possible to get free car insurance, it just doesn't work that way.

To choose companies with the best car insurance discounts in Texas, follow this link.

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to say the same thing that you can save if you move your coverage to them. But how can every company make the same claim?

All companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured could be a mature driver, has no driving citations, and has excellent credit. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money which usually ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can make those claims. Because of the profiling, you need to get as many comparisons as possible. It's just too difficult to predict which car insurance company will have the lowest rates.

Additional detailed information is available at the Texas Department of Insurance website. Consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and download brochures.

Other informative sites include Auto Insurance 101 and this page where you can research Crockett insurance agents.

Affordable insurance is out there

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford.

Affordable car insurance is definitely available from both online companies as well as from independent agents in Crockett, and you need to price shop both to have the best chance of lowering rates. Some companies don't offer online price quotes and most of the time these smaller companies sell through independent agents.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, questionable increases in premium, extreme rates for teen drivers or even high prices. No matter why you want to switch, choosing a new insurance company is easier than you think.