How to Know You're Spending Too Much for Auto Insurance in Early

Overpriced auto insurance can dwindle your savings account and force you to prioritize other expenses. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Drivers have multiple to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

How much can you save with discounts?

Companies that sell car insurance don't necessarily list all available discounts very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If you're not getting every credit you deserve, you are throwing money away.

  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Discount for New Cars - Insuring a new car is cheaper compared to insuring an older model.
  • No Accidents - Drivers who don't have accidents can save substantially when compared with drivers who are more careless.
  • Paperless Signup - Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Student in College - Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn't work that way.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Each situation is unique and your policy should reflect that. For example, these questions can help discover if your insurance needs might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Early?
  • Should I buy additional glass protection?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Texas consumers get pounded daily by advertisements for car insurance savings by Allstate, GEICO and Progressive. All the companies have a common claim that you can save if you move to their company.

How does each company make almost identical claims?

Different companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer could possibly be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards must pay more money and this can result in the driver buying from a lower-cost company. The ad wording is "people who switch" but not "drivers who get quotes" save that much. This is how insurance companies can advertise the way they do. This illustrates why you should get quotes from several different companies. It's impossible to know which insurance companies will provide you with the cheapest rates.

Additional detailed information can be found at the Texas Department of Insurance website. Texas consumers can report car insurance fraud, file complaints about an insurance agent or broker, read industry bulletins, and get help finding coverage.

Texas auto insurance quotes

A tidy conclusion

Affordable auto insurance is definitely available online and also from your neighborhood Early agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.