Tightwads Guide for Saving on Hubbard Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, in particular when their premiums are too high. Popular companies such as GEICO and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to compare prices occasionally because prices are constantly changing. Just because you found the lowest price a year ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because you're about to find out the quickest way to buy cheaper auto insurance.

If you have a policy now or are shopping for new coverage, you can learn to find the best rates and possibly find even better coverage. Buying car insurance in Hubbard is quite easy. Texas drivers only need an understanding of the most efficient way to get comparison quotes on the web.

Take advantage of discounts

Companies offering auto insurance do not list all their discounts in a way that's easy to find, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you aren't receiving every discount you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with the same company you may earn approximately 10% to 15%.
Theft Prevention System - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
Clubs and Organizations - Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.
Claim Free - Good drivers with no accidents pay much less as compared to drivers who are more careless.
Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Safety Course Discount - Taking part in a course in driver safety can save you 5% or more if you qualify.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way.

How to know if you need help

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured's situation is different so your insurance should reflect that These are some specific questions might point out whether your personal situation might need an agent's assistance.

What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Do I qualify for additional discounts?
Will I be non-renewed for getting a DUI or other conviction?
Are rental cars covered under my policy?
Am I covered when driving on a suspended license?
Does my personal auto insurance policy cover using my vehicle for business use?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Are auto insurance companies telling the truth?

Texas consumers get pounded daily by advertisements for cheaper car insurance from the likes of GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you change your coverage to them.

How can each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the type of customer that earns them a profit. For instance, a desirable insured could possibly be between the ages of 30 and 50, owns a home, and has excellent credit. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save that much money. That is how insurance companies can confidently make those claims. Because of the profiling, you should get as many quotes as possible. It's impossible to know which company will have the lowest rates.

For more Texas car insurance information

More tips and info about auto insurance is located at the Texas Department of Insurance website. Texas consumers can view agent and company licensing information, read consumer alerts, find out which companies have the most complaints, and read industry bulletins.

Best coverage at the best price

While you're price shopping online, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to discover later they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest price.

Cost effective auto insurance can be sourced online as well as from independent agents in Hubbard, and you should compare price quotes from both so you have a total pricing picture. Some companies don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.