Buy the Cheapest Devine Auto Insurance

Paying for high-priced auto insurance can dwindle your checking account and make it hard to pay other bills. Comparison shopping is a great way to help make ends meet.

Insurance companies such as GEICO and Progressive increase brand awareness with ad campaigns and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

More discounts equal less premium

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

  • Multi-car Discount - Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Accident Waiver - A handful of insurance companies will forgive one accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • No Claims - Drivers who don't have accidents pay less when compared with drivers who are more careless.
  • Clubs and Organizations - Participating in a civic or occupational organization may earn a discount when buying auto insurance.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you won't be that lucky.

Switch companies and save? Really?

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies have a common claim about savings if you switch your policy. How can each company make almost identical claims?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a profitable customer could possibly be a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and therefore will save when they switch companies.

Potential insureds who do not match the requirements must pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully advertise the way they do. This illustrates why you should get a wide range of price quotes. It's impossible to know which insurance companies will provide you with the cheapest rates.

For more Texas auto insurance information

Even more information can be read at the Texas Department of Insurance website. Texas consumers can find out which companies have the most complaints, learn about insurance regulations, read consumer alerts, and read industry bulletins.

The best insurance company isn't always the cheapest

Cheaper auto insurance can be found online in addition to many Devine insurance agents, and you need to price 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 usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, it's a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.