5 Tips Proven to Lower Car Insurance Costs in Honey Grove, TX

Are you overwhelmed by the sheer number of car insurance options in Honey Grove? Many other drivers are as well. Drivers have so many choices that it can turn into a real challenge to find the best price.

How much can you save with these 5 discounts?

Companies don't always publicize all available discounts in an easy-to-find place, so we break down some of the more common and also the lesser-known car insurance savings.

  • Fewer Miles Equal More Savings - Keeping the miles down can earn lower rates on the low mileage vehicles.
  • Military Discounts - Having a deployed family member can result in better rates.
  • No Claims - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Defensive Driving Course - Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like you could get a free car insurance policy, you won't be that lucky.

car insurance in Honey Grove

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

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies say the same thing about savings if you move your policy. How do they all make the same claim? It's all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer could be between 30 and 50, has no tickets, and drives newer vehicles. Any new insured who fits that profile receives the best rates and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile must pay higher rates which usually ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully claim big savings. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Even more information can be found at the Texas Department of Insurance website. Consumers can find disaster information, read industry bulletins, and read consumer alerts.

car insurance in Honey Grove

Final considerations

Cheaper car insurance is definitely available from both online companies in addition to many Honey Grove insurance agents, so compare prices from both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, policy non-renewal and even unfair underwriting practices. It doesn't matter what your reason, finding a new car insurance company is less work than it seems.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.