7 Tips Guaranteed to Save Money on Car Insurance Costs in Killeen

Overpriced car insurance can empty your savings account and force you to prioritize other expenses. Shopping your coverage around is a great way to lower your monthly bill. Companies like GEICO and Progressive continually hit you with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage quite often since rates are constantly changing. If you had the best deal last year there may be better deals available now. Starting now, ignore everything you know about car insurance because we're going to show you the only way to lower your annual insurance bill.

Texas car insurance

Be sure to get all your discounts

Companies that sell car insurance don't always publicize every available discount in a way that's easy to find, so here is a list both the well known and also the lesser-known discounts you could be receiving. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Good Student Discount - Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Senior Citizens - Older drivers can possibly qualify for a discount up to 10%.
  • Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
  • Save with a New Car - Insuring a new car can save up to 30% since new cars are generally safer.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you could save 5% or more.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.

Keep in mind that some credits don't apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way.

For a list of providers with the best car insurance discounts in Killeen, click here.

Free Killeen Car Insurance Quotes

Shopping for lower car insurance rates can be a lot of work if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Killeen, or you could use the web to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company can provide price quotes determined by their information. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is buyers cannot specifically choose the companies you will receive quotes from. So if you want to choose specific providers to request quotes from, we have assembled a list of companies who write car insurance in Texas. View list of Texas insurance companies.

Whichever method you choose, make darn sure you compare exactly the same coverages with every price quote. If your comparisons have different limits and deductibles on each one then you won't be able to find the best deal in Killeen.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions may help you determine whether or not you will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in Texas?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It's fast, free and you can get the answers you need.

A tidy conclusion

We just covered a lot of ways to get a better price on car insurance. The key concept to understand is the more you quote, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost compared to the large companies like .

When trying to cut insurance costs, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.