5 Best Ways to Slash Car Insurance Costs in Greenville

Consumers not familiar with buying insurance online might discover finding low-cost Greenville car insurance to be a formidable task.

Take advantage of discounts

Companies don't always advertise every discount very clearly, so here is a list some of the more common as well as the least known car insurance savings.

  • Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount - If you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, car insurance companies aren't that generous.

compare Greenville car insurance rates

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my nanny covered when driving my vehicle?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all say the same thing about savings if you change your coverage to them. How does each company make the same claim?

All the different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a driver they prefer could be between the ages of 30 and 50, a clean driving record, and has great credit. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will be quoted higher premiums which usually ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that much money. That is how companies can truthfully advertise the savings. This emphasizes why drivers should compare many company's rates. It's just too difficult to predict which company will fit your personal profile best.

Additional Texas consumer information

Even more information is available at the Texas Department of Insurance website. Consumers can find disaster information, file complaints about a company, and report car insurance fraud.

Also read more on this page for car insurance prices in Texas and this page of Greenville insurance agents.

Texas car insurance

The best insurance company isn't always the cheapest

Consumers leave their current company for a number of reasons such as unfair underwriting practices, poor customer service, lack of trust in their agent and even policy non-renewal. No matter why you want to switch, choosing a new insurance company is less work than it seems.

You just learned many ways to reduce car insurance prices online. It's most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a small local company.

Cheap car insurance can be sourced from both online companies as well as from independent agents in Greenville, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and these smaller companies work with independent agents.