Proven Techniques to Save on Dayton Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out.

Multiple compete to insure your vehicles, so it can be very hard to choose a and get the best coverage at the lowest rate

Compare Quotes for Dayton Auto Insurance

There are several ways to compare auto insurance prices but some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance companies in Dayton, or you can utilize online quoting to get pricing more quickly.

All the larger companies participate in a marketplace that allows shoppers to send in one quote, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company.

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

One minor caviat to comparing rates this way is you cannot specify which companies to get quotes from. If you prefer to choose specific insurance companies to compare rates, we have assembled a list of low cost auto insurance companies in Texas. View list of Texas insurance companies.

However you get your quotes, ensure you are comparing the exact same coverages on every quote you get. If you enter different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best in Dayton. Slightly different limits could mean much higher rates. Just remember that having more price comparisons will increase your chances of finding lower pricing.

Understand what determines the rate you pay

It's important that you understand the factors that come into play when calculating auto insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to big savings.

The list below includes a partial list of the pieces that factor into prices.

Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Do you have enough liability coverage? - The liability section of your policy provides coverage when a jury decides you are liable for damages caused by your negligence. It provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
Rates may be higher depending on your occupation - Careers like judges, social workers and accountants are shown to have higher rates than average attributed to high stress and lots of time spent at work. On the flip side, occupations like actors, athletes and the unemployed pay the least.
Safe vehicles cost less to insure - Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts and lower rates for you.
More claims means more premium - Companies in Texas generally give better rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
Never go without insurance - Driving with no insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.

Be sure to get all your discounts

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Some trigger automatically when you quote, but less common discounts must be inquired about before you get the savings.

Pay Upfront and Save - By paying your policy upfront rather than paying monthly you could save 5% or more.
Club Memberships - Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
No Claims - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
Low Mileage Discounts - Keeping the miles down could be rewarded with a substantially lower rate.
Student Driver Training - Require your teen driver to successfully complete driver's ed class in high school.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will cut the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts in Dayton, click here.

More information is located on the website for the Texas Department of Insurance through this link. Texas drivers can view a list of available companies, find out which companies have the most complaints, read industry bulletins, and find disaster information.

Shop smart and save

Affordable auto insurance is definitely available on the web in addition to many Dayton insurance agents, so you should compare both to have the best selection. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.

In this article, we covered a lot of techniques to lower your auto insurance rates. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the most savings is with a company that doesn't do a lot of advertising. Smaller companies can often insure niche markets at a lower cost compared to the large companies like .