Lower Online Dripping Springs Auto Insurance Prices With These Tips

If you are a novice to online auto insurance shopping, you can be overwhelmed due to the large number of auto insurance companies competing for business in Dripping Springs.

It's important to compare prices occasionally because prices are constantly changing. Just because you had the lowest price on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to find out the proper way to find great coverage at a great price.

If you have insurance now or are shopping for new coverage, you will benefit by learning to find better prices while maintaining coverages. Shopping for affordable coverage in Dripping Springs is easy if you know what you're doing. Texas vehicle owners just need to know the tricks to compare company rates online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with big savings.

  • Teen drivers pay high rates - Older drivers are viewed as being more responsible, file fewer claims and are safer drivers. Youthful drivers are statistically proven to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
  • Poor credit can mean higher rates - Credit score is a large factor in determining your rates. If your credit score is lower than you'd like, you could save money insuring your by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, architects and dentists tend to have the highest average rates attributed to stressful work requirements and lots of time spent at work. Other occupations like scientists, historians and homemakers receive lower rates.
  • Are you male or female? - Statistics show women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. They both have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.

Dripping Springs auto insurance comparison

Dripping Springs Auto Insurance Quote Comparison

Comparing auto insurance rates can take hours if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in Dripping Springs, or you can utilize online quoting to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each company then gives them pricing based on the submitted data. This eliminates the need for quotation requests to each individual auto insurance company. To submit your quote information now, click here to open in new window.

One minor caviat to pricing coverage this way is you don't know exactly which providers to receive prices from. If you would rather choose specific insurance companies to receive pricing from, we have a page of low cost auto insurance companies in Texas. Click here for list of insurance companies in Texas.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages and limits with every price quote. If each company quotes different deductibles it will be next to impossible to find the best deal in Dripping Springs.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but less common discounts must be inquired about prior to getting the savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.

  • College Student - Children who are attending college and do not have a car can receive lower rates.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Air Bag Discount - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • No Accidents - Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Sign Online - A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Accident Forgiveness - A handful of insurance companies permit an accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
  • Good Student - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Senior Citizens - If you're over the age of 55, you may qualify for better auto insurance rates.
  • Organization Discounts - Being a member of a civic or occupational organization could qualify you for a break on auto insurance.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will reduce the amount you have to pay.

To choose companies offering auto insurance discounts in Dripping Springs, follow this link.

Is there truth in advertising?

Consumers in Texas can't ignore all the ads for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you'll save big if you switch to their company.

How can each company claim to save you money?

All the different companies have a certain "appetite" for the driver that makes them money. For instance, a desirable insured might be over the age of 50, owns a home, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save that much. That is how companies can advertise the savings.

Because of the profiling, you need to get as many quotes as possible. It's impossible to know which company will fit your personal profile best.

How do I know if I need professional advice?

When buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions might point out whether or not you may require specific advice.

  • What are Texas no-fault laws?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need to file an SR-22 for a DUI in Texas?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Much more information about auto insurance in Texas is located on the Texas Department of Insurance website through this link. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, and read industry bulletins.

Dripping Springs auto insurance quote

In the end, you save

When you buy insurance online, it's a bad idea to reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate.

We covered a lot of information how to compare auto insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising.

Discount auto insurance is available both online and also from your neighborhood Dripping Springs agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.