How to Know You're Spending Too Much for Car Insurance in Harker Heights

Paying for high-priced car insurance can dwindle your checking account and force you to make sacrifices. Comparison shopping is a great way to cut your insurance bill.

Numerous battle to insure your vehicles, and because of this it can be hard to compare and get the best coverage at the lowest price

It's important to get comparison quotes yearly due to the fact that insurance rates are constantly changing. Even if you think you had the lowest price on your last policy you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

Take advantage of discounts

The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but a few must be inquired about before you will receive the discount.

College Student - Youth drivers who are attending college and don't have a car may qualify for this discount.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance.
Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.
Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
No Claims - Drivers who don't have accidents pay much less as compared to drivers who are more careless.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

How to know if you need help

When it comes to buying the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions can help discover whether your personal situation might need an agent's assistance.

Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Is my nanny covered when driving my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Are car insurance companies telling the truth?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to have a common claim about savings if you change your policy. How do they all claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, has no prior claims, and has great credit. Any driver that hits that "sweet spot" gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money and this can result in the customer not buying. The ads say "customers who switch" not "people who quote" save that kind of money. This is how companies can truthfully advertise the savings.

Because of the profiling, you should get a wide range of price quotes. You cannot predict which insurance companies will fit your personal profile best.

Learn more about car insurance in Texas

Additional information is located on the website for the Texas Department of Insurance found here. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, find disaster information, and report car insurance fraud.

Final considerations

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best price.

Cheaper car insurance is attainable both online in addition to many Harker Heights insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.