How to Know You're Paying Too Much for Car Insurance in Kerrville

No one in their right mind looks forward to buying car insurance, especially when the cost is way too high.

There is such a variety of to buy insurance from, and even though it's nice to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes periodically because rates are constantly changing. Even if you got the best price a few years ago you may be paying too much now. Ignore everything you know about car insurance because we're going to demonstrate the only way to reduce your cost while improving coverage.

How to Get Kerrville Car Insurance Comparison Quotes

Most major insurance companies like Allstate and Progressive provide insurance quotes online. The process doesn't take much effort as you simply enter your personal and coverage information into the quote form. Behind the scenes, their rating system will obtain information on your driving record and credit history and returns a price based on many factors. Being able to quote online makes it a lot easier to compare rates but having to visit different websites and type in the same information can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to compare rates utilizes a single form to return rates from several companies at one time. It's a real time-saver, requires much less work on your part, and makes price shopping online a little more enjoyable. As soon as you send your information, it gets priced and you can choose any one of the returned quotes.

If a lower price is quoted, it's easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

If you want to find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you replicate the coverage information identical to your current policy. This way, you will get an apples-to-apples comparison based on similar coverages.

Understand what determines the rate you pay

It's important that you understand the rating factors that go into determining your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get lower car insurance prices.

Clean credit earns discounts - Your credit score is a important factor in determining your rates. Therefore, if your credit rating is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit.
How's your driving record? - Drivers with clean records have lower premiums than bad drivers. Only having one moving violation may increase your cost twenty percent or more. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
Consolidate policies to earn discounts - Most car insurance companies give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you're getting this discount you still need to shop around to confirm you are receiving the best rates possible.
Older drivers save more - Young drivers in Texas are statistically proven to be less responsible behind the wheel so they pay higher car insurance rates. If you've ever had to add a youthful driver onto your car insurance can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.

More discounts equal less premium

Car insurance is not cheap, but companies offer discounts that many people don't even know exist. Certain discounts will be triggered automatically at quote time, but a few need to be manually applied in order for you to get them.

Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
Early Signing - Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
New Car Discount - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
No Claims - Good drivers with no accidents can save substantially compared to frequent claim filers.
Club Memberships - Belonging to a qualifying organization could trigger savings on your policy.
Military Discounts - Having a family member in the military could mean lower rates.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

For a list of providers offering car insurance discounts in Texas, click this link.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if you will benefit from professional help.

Does my insurance cover a custom paint job?
Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Texas?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Additional information can be found on the website for the Texas Department of Insurance located here. Consumers can find out industry alerts, file complaints about a company, read consumer alerts, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

When shopping online for car insurance, it's very important that you do not reduce needed coverages to save money. Too many times, someone dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

We just showed you some good ideas how to lower your car insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as .