Proven Techniques to Save on Fort Stockton Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, many Fort Stockton consumers feel financially strained by their auto insurance policy. Consumers have many to buy insurance from, and although it's a good thing to be able to choose, it can be more difficult to compare rates.

This article will help educate you on the best way to quote coverages and some tips to save money. If you have car insurance now, you will be able to cut costs considerably using these methods. Texas drivers only need an understanding of the most efficient way to get comparison rates online.

You have some control over your rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that will entitle you to lower auto insurance prices.

The list below includes a partial list of the pieces auto insurance companies consider when setting prices.

  • Rates may be higher depending on your occupation - Careers like judges, social workers and financial analysts tend to have higher average rates in part from job stress and lengthy work days. Conversely, professions such as actors, engineers and the unemployed receive lower rates.
  • Protect yourself with liability coverage - The liability section of your policy provides coverage when you are found liable for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Teen drivers pay high rates - Youthful drivers in Texas tend to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • More people means more accidents - Choosing to live in a rural area can save you money when talking about auto insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Lower population translates into fewer accidents as well as less vandalism and auto theft.
  • Lower miles equals lower premium - The more you drive in a year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • Being married is a good thing - Having a wife or husband actually saves money on auto insurance. Having a significant other means you're more mature and responsible it has been statistically shown that being married results in fewer claims.

Compare Quotes for Fort Stockton Auto Insurance

Reducing your insurance rates can be relatively painless. You just have to take a few minutes comparing price quotes online from several insurance companies. This can be done in several different ways.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do separate quotation requests for every auto insurance company. Filling out one form gets you coverage quotes from auto insurance companies with the best prices.
  2. A slightly less efficient method to get quotes online consists of going to the website of each company to request a price quote. For example, let's assume you want to compare rates from , and . To get rate quotes you would need to visit each site to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Fort Stockton, click here.

However you get your quotes, ensure you are comparing identical coverages for each price quote. If you have different limits and deductibles on each one it will be very difficult to truly determine the lowest rate in Fort Stockton.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit possible, you are paying more than you should be.

  • No Accidents - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
  • Organization Discounts - Being a member of a qualifying organization may earn a discount when shopping for auto insurance.
  • Federal Government Employee - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
  • Distant Student - Youth drivers who are attending college without a vehicle on campus may qualify for this discount.
  • No Charge for an Accident - Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Life Insurance Discount - Larger companies have a discount if you purchase a life insurance policy as well.
  • Paperwork-free - Certain companies may give you up to $50 simply for signing over the internet.

It's important to understand that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will bring down your overall premium however.

To choose insurance companies with the best auto insurance discounts in Texas, click here.

Auto insurance ads bend the truth

Consumers in Texas can't ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all have a common claim of big savings if you move to their company.

How does each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. For instance, a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" will get very good rates and most likely will save when switching.

Drivers who fall outside these standards will be quoted higher premiums and this can result in the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. That's the way insurance companies can confidently claim big savings.

This emphasizes why you need to get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Additional auto insurance information is located on the website for the Texas Department of Insurance. Click here for link. Visitors are able to read industry bulletins, find out which companies have the most complaints, read enforcement actions against agents and companies, and view agent and company licensing information.

And the best car insurance company is...

Low-cost auto insurance is definitely available both online and also from your neighborhood Fort Stockton agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide online price quotes and these small, regional companies work with independent agents.

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed liability coverage limits only to discover later that it was a big mistake. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.