Tightwads Guide for Saving on Keller Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, in particular when the cost is too high.

Popular companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance in Keller is quite easy. Nevertheless, Texas drivers do need to know how big insurance companies sell online.

Take advantage of discounts

Companies don't list every discount in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

  • Federal Employees - Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Clubs and Organizations - Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
  • Military Discounts - Having a deployed family member could be rewarded with lower premiums.
  • Use Seat Belts - Requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • No Claims - Good drivers with no accidents pay less when compared to drivers who are more careless.

Consumers should know that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, companies don't profit that way.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to big savings.

  • High numbers of claims are not good - Companies in Texas provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
  • Careful drivers pay lower rates - Even one ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Protect your assets with liability insurance - Your policy's liability coverage is the coverage that protects you when a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Lower rates with optional equipment - Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.

How to know if you need help

When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Every insured's situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my cargo covered for damage or theft?
  • Am I covered when delivering products for my home-based business?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all say the same thing of big savings if you change your policy. How can each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a driver they prefer could possibly be between 30 and 50, a clean driving record, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "people who quote" save that kind of money. That is how insurance companies can confidently advertise the savings. This emphasizes why drivers should get a wide range of price quotes. It's impossible to know which company will give you the biggest savings.

Additional Texas consumer information

More tips and info about auto insurance can be read at the Texas Department of Insurance website. Texas consumers can download brochures, file complaints about a company, find out which companies have the most complaints, and view a list of available companies.

Texas auto insurance

Affordable insurance is out there

You just read a lot of tips how to reduce auto insurance prices online. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like .

Cost effective auto insurance can be sourced online in addition to many Keller insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and these small insurance companies work with independent agents.