Comparison Shop Kountze Car Insurance Prices With These Tricks

Purchasing low-cost Kountze car insurance on the internet is rather challenging for beginners to comparison shopping online. When there are so many insurance companies available, how can you possibly compare every one to find the best available price?

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that help determine your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

The following are some of the factors car insurance companies consider when setting premiums.

  • Higher deductibles cost less - Your deductibles represent how much money you are required to spend before your car insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
  • Big city or small town - Residing in small towns and rural areas is a positive aspect when it comes to car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. City drivers have to deal with more traffic problems and longer commute times. More time on the road means more change of being in an accident.
  • Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • Better crash test results mean better rates - Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • How's your driving record? - Careful drivers have lower premiums compared to drivers with tickets. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to keep their license.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked for prior to getting the savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • Good Student Discount - This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Accident Waiver - A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To choose insurers who offer car insurance discounts in Kountze, follow this link.

Are car insurance companies telling the truth?

Consumers can't ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies say the same thing about savings after switching to their company.

How can each company make the same claim?

Insurance companies have a preferred profile for the driver that makes them money. An example of a profitable customer could be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A customer who fits that profile gets the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements must pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that much. This is how companies can truthfully claim big savings.

This illustrates why you should get as many comparisons as possible. Because you never know which insurance companies will give you the biggest savings.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Texas?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I rate my vehicle as pleasure use or commute?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Learn more about car insurance in Texas

Additional information is available on the Texas Department of Insurance website located here. Consumers can report car insurance fraud, view agent and company licensing information, and learn about insurance regulations.

Texas car insurance quotes

And the best car insurance company is...

Cheap car insurance can be bought from both online companies and also from your neighborhood Kountze agents, and you should compare price quotes from both to have the best rate selection. A few companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Consumers change insurance companies for a number of reasons such as lack of trust in their agent, delays in paying claims, denial of a claim or even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is easier than you think.