Proven Ways to Save on Dickinson Auto Insurance

Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as the majority of other car owners in Texas. Popular companies such as GEICO and Progressive all promote huge savings with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to get comparison quotes before your policy renews since insurance rates are constantly changing. If you had the best deal a couple years back there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because it's time to teach you the only way to save on auto insurance.

If you are insured now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding affordable coverage in Dickinson is quite easy. Texas drivers only need an understanding of the tricks to compare company rates online.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that can help you get better auto insurance rates.

One company can mean more discounts - The majority of companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, it's still a good idea to comparison shop to confirm you are receiving the best rates possible. Consumers may find better rates by buying auto insurance from a different company.
Rates may be lower depending on your job - Occupations like doctors, architects and dentists are shown to have the highest average rates due to job stress and long work hours. Other occupations like farmers, historians and the unemployed pay the least.
Small claims can cost you - Insurance companies in Texas provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can look forward to higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
No coverage gaps is important - Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.
Your spouse saves you money - Being married actually saves money when buying auto insurance. Marriage usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
A clean driving record saves money - Your driving record has a huge affect on how much you pay. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than people who have multiple driving citations. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
Do you need the policy add-ons? - There are a lot of extra bells and whistles you can purchase if you aren't careful. Insurance for vanishing deductibles, better glass coverage and membership fees are examples of these. They may seem good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
Sex matters - The statistics show women are more cautious behind the wheel. However, don't assume that men are WORSE drivers than women. Men and women have accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like reckless driving and DUI.

Cheap Dickinson Auto Insurance Comparisons

Shopping for lower auto insurance rates can take hours if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in Dickinson, or you could use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies participate in a marketplace that allows shoppers to complete one form, and at least one company can give them a price for coverage. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of system is you don't know exactly which providers you want to price. So if you prefer to pick individual companies to receive pricing from, we have a listing of companies who write auto insurance in Texas. View list of Texas insurance companies.

It doesn't matter which method you choose, just ensure you're using exactly the same deductibles and coverage limits on every quote. If you use different values for each quote then you won't be able to make a fair comparison in Dickinson.

Be sure to get all your discounts

Car insurance companies don't list every available discount in a way that's easy to find, so here is a list some of the best known and also the lesser-known auto insurance savings. If you aren't receiving every discount available, you are paying more than you should be.

Multi-policy Discount - If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
No Claims - Claim-free drivers can earn big discounts compared to accident-prone drivers.
Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class in high school.
Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with certain companies.
E-sign - Some insurance companies give back up to $50 simply for signing digitally online.
Homeowners Pay Less - Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
Passive Restraints - Vehicles with factory air bags can qualify for discounts of up to 25% or more.

Consumers should know that most credits do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, companies don't profit that way.

To choose providers with the best auto insurance discounts in Dickinson, follow this link.

Is there truth in advertising?

Texas drivers can't ignore all the ads for the lowest price auto insurance from companies such as Allstate and Progressive. All the ads say the same thing of big savings if you move your policy.

How can each company say the same thing? It's all in the numbers.

Different companies can use profiling for the right customer that makes them money. An example of a preferred risk might be profiled as over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher rates which usually ends up with business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can confidently advertise the way they do. That is why you need to get as many comparisons as possible. It's not possible to predict the company that will provide you with the cheapest rates.

More tips and info about auto insurance is available at the Texas Department of Insurance website. Texas drivers can read consumer alerts, read industry bulletins, download brochures, and find a variety of consumer forms.

Best coverage at the best price

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Cost effective auto insurance is possible on the web in addition to many Dickinson insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.