Free Guide to Cutting Costs on Kerens Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you you're not alone. You have so many to buy insurance from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months since insurance rates are constantly changing. Even if you got the best price last year you can probably find a better price now. Ignore everything you know about auto insurance because we're going to demonstrate the only way to properly buy coverages while reducing your premium.

Finding the best rates in Kerens is quite easy. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Texas drivers only need an understanding of the most effective way to buy auto insurance online.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that go into determining auto insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

Listed below are a few of the "ingredients" that factor into rates.

Having a spouse can save you money - Having a spouse can actually save you money on auto insurance. It usually means you are more mature and responsible and statistics show being married results in fewer claims.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and rolling your vehicle. The deductibles are how much you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
Multiple policies with one company can save - Most insurance companies will give a discount to people who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it's still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying auto insurance from a different company.
Battle of the sexes - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the males cause more damage. They also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high auto insurance rates.
Frequent auto insurance claims increase rates - Car insurance companies in Texas generally give lower rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
Special features that cut premiums - Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.

Are you getting all your discounts?

Companies that sell car insurance don't list all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving. If you're not getting every credit possible, you are paying more than you should be.

Sign Online - Certain companies give back up to $50 simply for signing over the internet.
Multi-car Discount - Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
Senior Discount - If you're over the age of 55, you may qualify for a discount up to 10%.
Drivers Education - Cut your cost by having your teen driver complete a driver education course in school.
Payment Discounts - By paying your policy upfront instead of making monthly payments you could save 5% or more.
No Claims - Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.

It's important to understand that some credits don't apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

To choose companies offering auto insurance discounts in Texas, click here.

How can State Farm, GEICO and Progressive save drivers who switch?

Texas drivers can't ignore all the ads that promise big savings from companies such as State Farm, GEICO and Progressive. They all seem to have a common claim of big savings if you switch your policy.

How does each company say the same thing? It's all in the numbers.

All companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured might be profiled as a mature driver, has no driving citations, and drives newer vehicles. A propective insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a higher premium and this can result in business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can confidently claim big savings. Because of the profiling, you should get quotes from several different companies. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Texas auto insurance

More tips and info about auto insurance can be found at the Texas Department of Insurance website. Texas drivers can get help finding coverage, report car insurance fraud, read consumer alerts, and learn about insurance regulations.

A tidy conclusion

Low-cost auto insurance can be found on the web in addition to many Kerens insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's very important that you do not buy poor coverage just to save money. In many cases, someone sacrificed physical damage coverage only to discover later that it was a big mistake. Your aim should be to purchase a proper amount of coverage at the best price.